| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -10.9% | -2.4% | -8.6 pts |
| ROA | -0.26% | 0.60% | -0.9 pts |
| ROE | -2.1% | 4.1% | -6.2 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 | $1.0M | $882K | $556K | $124K | $-649 | -0.26% | 4.75% | 11.57% | 213 |
| Q4 2025 | $905K | $777K | $593K | $124K | $-4K | -0.49% | 5.67% | 9.64% | 209 |
| Q3 2025 | $939K | $802K | $617K | $127K | $-2K | -0.24% | 5.53% | 8.34% | 212 |
| Q2 2025 | $957K | $824K | $611K | $127K | $-2K | -0.43% | 5.23% | 1.95% | 210 |
| Q1 2025 | $980K | $848K | $625K | $127K | $-2K | -0.81% | 5.19% | 3.35% | 212 |
| Q4 2024 | $986K | $852K | $668K | $129K | $8K | 0.82% | 5.71% | 1.99% | 221 |
| Q3 2024 | $1.0M | $915K | $704K | $126K | $5K | 0.65% | 5.31% | 0.21% | 222 |
| Q2 2024 | $1.1M | $945K | $689K | $124K | $4K | 0.70% | 5.01% | 0.80% | 221 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $533K · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.7% | 81.5% | 88th |
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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