| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -6.1% | -2.4% | -3.8 pts |
| ROA | -2.42% | 0.60% | -3.0 pts |
| ROE | -14.2% | 4.1% | -18.3 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.9M | $2.4M | $1.3M | $488K | $-17K | -2.42% | 2.74% | 2.34% | 445 |
| Q4 2025 | $2.8M | $2.3M | $1.2M | $505K | $-40K | -1.45% | 3.36% | 1.72% | 446 |
| Q3 2025 | $2.8M | $2.3M | $1.3M | $517K | $-29K | -1.39% | 3.26% | 2.42% | 462 |
| Q2 2025 | $3.1M | $2.6M | $1.3M | $525K | $-21K | -1.34% | 2.77% | 0.22% | 513 |
| Q1 2025 | $3.0M | $2.5M | $1.4M | $533K | $-13K | -1.74% | 2.74% | 0.33% | 510 |
| Q4 2024 | $3.1M | $2.5M | $1.4M | $446K | $-9K | -0.28% | 3.13% | 0.50% | 509 |
| Q3 2024 | $3.1M | $2.6M | $1.5M | $541K | $-14K | -0.59% | 3.19% | 0.42% | 519 |
| Q2 2024 | $2.8M | $2.3M | $1.3M | $543K | $-11K | -0.81% | 3.34% | 0.80% | 525 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.42% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -14.2% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $449K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 148.0% | 81.5% | 97th |
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% |
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