| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -6.3% | +0.7% | -7.0 pts |
| Loan growth (YoY) | +1.0% | -2.4% | +3.4 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.1% | 4.1% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.7M | $5.0M | $1.5M | $714K | $105 | 0.01% | 2.02% | 0.27% | 466 |
| Q4 2025 | $5.7M | $5.0M | $1.5M | $714K | $271 | 0.00% | 1.91% | 0.36% | 461 |
| Q3 2025 | $5.8M | $5.1M | $1.5M | $714K | $201 | 0.00% | 1.86% | 0.27% | 462 |
| Q2 2025 | $5.9M | $5.1M | $1.5M | $714K | $121 | 0.00% | 1.85% | 0.27% | 465 |
| Q1 2025 | $6.1M | $5.3M | $1.5M | $714K | $51 | 0.00% | 1.79% | 0.34% | 464 |
| Q4 2024 | $6.1M | $5.3M | $1.6M | $714K | $134 | 0.00% | 1.68% | 0.00% | 462 |
| Q3 2024 | $6.1M | $5.3M | $1.5M | $714K | $106 | 0.00% | 1.63% | 0.00% | 463 |
| Q2 2024 | $6.3M | $5.5M | $1.6M | $714K | $74 | 0.00% | 1.53% | 0.00% | 464 |
Loan mix (Q1 2026): real estate $175K · commercial $0 · consumer $1.1M · securities $3.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 81.5% | 84th |
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.