| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.9% | +1.3% | -11.2 pts |
| Share growth (YoY) | -8.9% | +0.7% | -9.6 pts |
| Loan growth (YoY) | -19.0% | -2.4% | -16.7 pts |
| ROA | -6.68% | 0.60% | -7.3 pts |
| ROE | -71.2% | 4.1% | -75.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $9.8M | $6.9M | $1.0M | $-181K | -6.68% | 3.47% | 0.23% | 1,828 |
| Q4 2025 | $11.2M | $9.9M | $7.1M | $1.2M | $-150K | -1.34% | 3.83% | 1.49% | 1,860 |
| Q3 2025 | $11.3M | $10.1M | $7.4M | $1.2M | $-172K | -2.02% | 3.55% | 0.85% | 1,888 |
| Q2 2025 | $11.8M | $10.5M | $7.9M | $1.2M | $-131K | -2.23% | 3.34% | 0.59% | 1,914 |
| Q1 2025 | $12.0M | $10.7M | $8.5M | $1.2M | $-106K | -3.53% | 2.95% | 1.08% | 1,944 |
| Q4 2024 | $12.1M | $10.7M | $8.9M | $1.3M | $-10K | -0.08% | 3.42% | 0.83% | 1,962 |
| Q3 2024 | $12.9M | $11.5M | $9.2M | $1.4M | $3K | 0.03% | 2.79% | 0.37% | 1,975 |
| Q2 2024 | $12.6M | $11.2M | $9.5M | $1.4M | $37K | 0.58% | 2.57% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.68% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -71.2% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,971 |
Loan mix (Q1 2026): real estate $1.1M · commercial $86K · consumer $5.4M · securities $4K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 509.9% | 81.5% | 100th |
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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