| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -34.1% | -2.4% | -31.7 pts |
| ROA | 0.05% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $890K | $677K | $379K | $212K | $122 | 0.05% | 2.95% | 36.42% | 315 |
| Q4 2025 | $892K | $678K | $416K | $211K | $5K | 0.59% | 3.91% | 32.40% | 315 |
| Q3 2025 | $893K | $676K | $442K | $211K | $5K | 0.70% | 4.20% | 31.13% | 582 |
| Q2 2025 | $943K | $727K | $516K | $209K | $3K | 0.66% | 4.01% | 27.78% | 315 |
| Q1 2025 | $952K | $740K | $575K | $207K | $1K | 0.46% | 3.86% | 27.14% | 315 |
| Q4 2024 | $967K | $757K | $588K | $206K | $-7K | -0.69% | 4.57% | 18.14% | 314 |
| Q3 2024 | $1.0M | $813K | $626K | $204K | $-9K | -1.18% | 4.51% | 18.26% | 317 |
| Q2 2024 | $1.1M | $891K | $681K | $202K | $-11K | -2.05% | 4.42% | 21.43% | 317 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $341K · securities $222K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th |
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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