| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -17.6% | -2.4% | -15.2 pts |
| ROA | -4.18% | 0.60% | -4.8 pts |
| ROE | -9.5% | 4.1% | -13.6 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $2.1M | $2.1M | $1.6M | $-39K | -4.18% | 5.19% | 0.54% | 543 |
| Q4 2025 | $3.7M | $2.1M | $2.2M | $1.7M | $-36K | -0.96% | 5.62% | 1.20% | 546 |
| Q3 2025 | $3.7M | $2.0M | $2.4M | $1.7M | $-41K | -1.45% | 5.69% | 1.20% | 559 |
| Q2 2025 | $3.8M | $2.1M | $2.5M | $1.7M | $-45K | -2.38% | 5.61% | 0.71% | 563 |
| Q1 2025 | $3.8M | $2.1M | $2.5M | $1.7M | $-13K | -1.39% | 5.49% | 0.88% | 566 |
| Q4 2024 | $3.8M | $2.1M | $2.7M | $1.7M | $-27K | -0.72% | 1.41% | 1.46% | 576 |
| Q3 2024 | $3.9M | $2.2M | $2.9M | $1.7M | $14K | 0.48% | 5.87% | 1.38% | 568 |
| Q2 2024 | $3.9M | $2.1M | $3.1M | $1.7M | $14K | 0.74% | 5.81% | 1.07% | 585 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.18% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -9.5% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.7% | 81.5% | 92th |
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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