| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.7% | +1.3% | -9.0 pts |
| Share growth (YoY) | -7.8% | +0.7% | -8.5 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.0 pts |
| ROA | -0.76% | 0.60% | -1.4 pts |
| ROE | -8.5% | 4.1% | -12.6 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 | $791K | $720K | $428K | $71K | $-2K | -0.76% | 4.75% | 5.03% | 299 |
| Q4 2025 | $800K | $727K | $466K | $73K | $-5K | -0.59% | 4.31% | 4.22% | 298 |
| Q3 2025 | $827K | $755K | $327K | $72K | $-5K | -0.87% | 4.30% | 6.02% | 293 |
| Q2 2025 | $856K | $784K | $363K | $72K | $-6K | -1.34% | 4.27% | 5.31% | 295 |
| Q1 2025 | $857K | $781K | $394K | $77K | $-3K | -1.27% | 4.37% | 4.86% | 295 |
| Q4 2024 | $847K | $768K | $444K | $79K | $5K | 0.58% | 5.13% | 4.31% | 292 |
| Q3 2024 | $878K | $797K | $458K | $80K | $6K | 0.91% | 4.86% | 4.60% | 289 |
| Q2 2024 | $874K | $796K | $439K | $78K | $4K | 0.85% | 5.03% | 4.83% | 350 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $428K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.76% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -8.5% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.0% | 81.5% | 94th |
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.