| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.4 pts |
| Loan growth (YoY) | +20.6% | -2.4% | +23.0 pts |
| ROA | -0.74% | 0.60% | -1.3 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $6.6M | $4.5M | $3.9M | $-20K | -0.74% | 5.27% | 0.77% | 1,719 |
| Q4 2025 | $10.4M | $6.4M | $4.6M | $4.0M | $-88K | -0.85% | 5.51% | 0.64% | 1,709 |
| Q3 2025 | $10.4M | $6.4M | $4.3M | $4.0M | $-52K | -0.66% | 5.45% | 0.86% | 1,715 |
| Q2 2025 | $10.5M | $6.4M | $3.9M | $4.0M | $-38K | -0.72% | 5.43% | 0.43% | 1,700 |
| Q1 2025 | $10.9M | $6.9M | $3.7M | $4.0M | $-13K | -0.47% | 5.21% | 0.33% | 1,689 |
| Q4 2024 | $10.4M | $6.3M | $3.8M | $4.1M | $-285K | -2.74% | 5.69% | 0.14% | 1,682 |
| Q3 2024 | $10.4M | $6.3M | $3.8M | $4.2M | $-207K | -2.66% | 5.21% | 0.05% | 1,716 |
| Q2 2024 | $10.5M | $6.3M | $3.7M | $4.2M | $-209K | -4.00% | 5.51% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.74% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,723 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 81.5% | 82th |
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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