| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -23.6% | -2.4% | -21.2 pts |
| ROA | -0.37% | 0.60% | -1.0 pts |
| ROE | -2.6% | 4.1% | -6.7 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.7M | $2.3M | $1.5M | $387K | $-2K | -0.37% | 3.65% | 2.45% | 530 |
| Q4 2025 | $2.6M | $2.2M | $1.5M | $390K | $3K | 0.12% | 4.19% | 1.50% | 856 |
| Q3 2025 | $2.7M | $2.3M | $1.6M | $394K | $7K | 0.36% | 4.16% | 1.40% | 711 |
| Q2 2025 | $2.6M | $2.2M | $1.8M | $390K | $3K | 0.22% | 4.19% | 1.72% | 731 |
| Q1 2025 | $2.7M | $2.3M | $2.0M | $386K | $3K | 0.49% | 4.15% | 0.84% | 791 |
| Q4 2024 | $2.7M | $2.3M | $2.1M | $386K | $27K | 1.00% | 4.13% | 0.93% | 863 |
| Q3 2024 | $2.6M | $2.2M | $2.0M | $383K | $9K | 0.48% | 1.48% | 1.48% | 849 |
| Q2 2024 | $2.6M | $2.2M | $2.1M | $376K | $9K | 0.70% | 2.13% | 1.59% | 860 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.37% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.7% | 81.5% | 91th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.