| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -7.4% | -2.4% | -5.0 pts |
| ROA | -0.71% | 0.60% | -1.3 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $4.8M | $2.8M | $1.8M | $-12K | -0.71% | 4.41% | 0.28% | 592 |
| Q4 2025 | $6.6M | $4.9M | $2.9M | $1.8M | $-23K | -0.34% | 4.17% | 1.03% | 602 |
| Q3 2025 | $6.7M | $4.9M | $3.0M | $1.8M | $-557 | -0.01% | 4.14% | 0.66% | 608 |
| Q2 2025 | $6.8M | $5.0M | $2.9M | $1.8M | $-3K | -0.08% | 4.05% | 0.26% | 608 |
| Q1 2025 | $6.9M | $5.1M | $3.0M | $1.8M | $7K | 0.41% | 4.05% | 1.73% | 616 |
| Q4 2024 | $7.1M | $5.3M | $3.0M | $1.8M | $2K | 0.02% | 4.04% | 1.84% | 626 |
| Q3 2024 | $7.2M | $5.4M | $3.0M | $1.8M | $3K | 0.06% | 3.99% | 3.13% | 625 |
| Q2 2024 | $7.5M | $5.7M | $2.9M | $1.8M | $-10K | -0.28% | 3.75% | 3.08% | 619 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 81.5% | 80th |
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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