| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -13.1% | -2.4% | -10.7 pts |
| ROA | -0.52% | 0.60% | -1.1 pts |
| ROE | -1.7% | 4.1% | -5.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.6M | $3.9M | $3.8M | $1.7M | $-7K | -0.52% | 3.91% | 0.88% | 686 |
| Q4 2025 | $5.5M | $3.8M | $3.9M | $1.7M | $100K | 1.82% | 4.20% | 0.39% | 691 |
| Q3 2025 | $5.6M | $4.0M | $4.3M | $1.7M | $79K | 1.87% | 4.16% | 0.55% | 697 |
| Q2 2025 | $5.6M | $3.9M | $4.5M | $1.6M | $52K | 1.86% | 4.21% | 0.55% | 696 |
| Q1 2025 | $5.7M | $4.1M | $4.4M | $1.6M | $20K | 1.42% | 4.07% | 0.54% | 699 |
| Q4 2024 | $5.9M | $4.3M | $4.5M | $1.6M | $101K | 1.72% | 4.05% | 0.46% | 690 |
| Q3 2024 | $5.9M | $4.3M | $4.4M | $1.6M | $77K | 1.73% | 4.03% | 0.50% | 688 |
| Q2 2024 | $6.0M | $4.4M | $4.1M | $1.5M | $48K | 1.61% | 3.96% | 0.42% | 689 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.52% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $599K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 81.5% | 32th |
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.