| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.4 pts |
| Share growth (YoY) | -16.0% | +0.7% | -16.6 pts |
| Loan growth (YoY) | -15.6% | -2.4% | -13.2 pts |
| ROA | -0.61% | 0.60% | -1.2 pts |
| ROE | -2.8% | 4.1% | -6.9 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $656K | $947K | $256K | $-2K | -0.61% | 1.72% | 0.00% | 122 |
| Q4 2025 | $1.2M | $691K | $946K | $258K | $15K | 1.22% | 2.57% | 0.00% | 135 |
| Q3 2025 | $1.3M | $748K | $1.0M | $252K | $9K | 0.89% | 2.66% | 0.00% | 150 |
| Q2 2025 | $1.3M | $777K | $1.1M | $250K | $6K | 0.99% | 2.67% | 0.00% | 151 |
| Q1 2025 | $1.3M | $781K | $1.1M | $247K | $4K | 1.12% | 2.69% | 0.00% | 150 |
| Q4 2024 | $1.3M | $799K | $1.2M | $243K | $2K | 0.15% | 2.00% | 0.00% | 156 |
| Q3 2024 | $1.3M | $935K | $1.2M | $240K | $-2K | -0.17% | 1.76% | 0.00% | 156 |
| Q2 2024 | $1.3M | $705K | $1.1M | $244K | $2K | 0.31% | 2.02% | 0.00% | 156 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $891K · securities $10K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.61% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.6% | 81.5% | 96th |
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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