| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -44.7% | +1.3% | -46.0 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.3 pts |
| ROA | -199.39% | 0.60% | -200.0 pts |
| ROE | 218.9% | 4.1% | +214.8 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $2.5M | $820K | $-1.3M | $-725K | -199.39% | -0.34% | 20.61% | 1,830 |
| Q4 2025 | $2.7M | $3.2M | $1.1M | $-554K | $-928K | -35.00% | 2.71% | 15.96% | 1,805 |
| Q3 2025 | $3.3M | $3.0M | $1.1M | $67K | $-357K | -14.51% | 9.86% | 13.35% | 1,796 |
| Q2 2025 | $3.0M | $2.8M | $1.1M | $215K | $-209K | -13.75% | 9.73% | 1.80% | 1,948 |
| Q1 2025 | $2.6M | $2.4M | $841K | $235K | $-138K | -21.02% | 19.78% | 5.70% | 1,395 |
| Q4 2024 | $4.8M | $4.4M | $577K | $374K | $-109K | -2.26% | 1.26% | 9.24% | 1,137 |
| Q3 2024 | $5.0M | $4.6M | $584K | $411K | $-71K | -1.89% | 1.21% | 10.85% | 933 |
| Q2 2024 | $3.9M | $3.4M | $400K | $463K | $500 | 0.03% | 1.89% | 6.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -199.39% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 218.9% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | -0.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 777 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $804K · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 1870.0% | 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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