| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | +6.1% | +0.7% | +5.5 pts |
| Loan growth (YoY) | -37.2% | -2.4% | -34.9 pts |
| ROA | -2.04% | 0.60% | -2.6 pts |
| ROE | -7.9% | 4.1% | -12.0 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $162K | $120K | $22K | $42K | $-825 | -2.04% | 2.16% | 0.00% | 56 |
| Q4 2025 | $165K | $122K | $28K | $42K | $-15K | -9.05% | 2.56% | 0.00% | 55 |
| Q3 2025 | $165K | $117K | $29K | $47K | $-11K | -9.17% | 2.43% | 0.00% | 55 |
| Q2 2025 | $174K | $117K | $38K | $56K | $-966 | -1.11% | 2.31% | 0.00% | 56 |
| Q1 2025 | $170K | $113K | $35K | $57K | $-127 | -0.30% | 2.61% | 0.00% | 56 |
| Q4 2024 | $158K | $101K | $41K | $57K | $-2K | -1.33% | 1.76% | 0.00% | 57 |
| Q3 2024 | $151K | $93K | $25K | $57K | $-2K | -1.69% | 1.71% | 0.00% | 57 |
| Q2 2024 | $144K | $85K | $21K | $59K | $-697 | -0.97% | 1.82% | 0.28% | 57 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $22K · securities $88K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.04% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -7.9% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 194.3% | 81.5% | 99th |
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.