| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -11.0 pts |
| ROA | -0.29% | 0.60% | -0.9 pts |
| ROE | -2.9% | 4.1% | -7.0 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.8M | $2.0M | $535K | $-4K | -0.29% | 4.52% | 3.17% | 838 |
| Q4 2025 | $5.2M | $4.7M | $2.2M | $539K | $11K | 0.21% | 4.73% | 3.06% | 829 |
| Q3 2025 | $5.0M | $4.5M | $2.3M | $538K | $10K | 0.26% | 4.98% | 2.89% | 829 |
| Q2 2025 | $5.5M | $4.9M | $2.4M | $535K | $7K | 0.24% | 4.58% | 0.83% | 821 |
| Q1 2025 | $5.5M | $5.0M | $2.3M | $530K | $2K | 0.14% | 4.48% | 0.91% | 781 |
| Q4 2024 | $5.6M | $5.0M | $2.4M | $528K | $45K | 0.81% | 5.15% | 0.65% | 781 |
| Q3 2024 | $5.7M | $5.2M | $2.6M | $520K | $17K | 0.41% | 4.71% | 0.56% | 801 |
| Q2 2024 | $6.0M | $5.5M | $2.6M | $513K | $10K | 0.32% | 4.37% | 0.55% | 781 |
Loan mix (Q1 2026): real estate $13K · commercial $0 · consumer $2.0M · securities $2.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.29% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.9% | 81.5% | 89th |
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.