| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.6 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.5 pts |
| ROA | -0.48% | 0.60% | -1.1 pts |
| ROE | -1.9% | 4.1% | -6.0 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 | $7.5M | $5.5M | $802K | $1.9M | $-9K | -0.48% | 3.68% | 1.44% | 1,438 |
| Q4 2025 | $7.2M | $5.3M | $872K | $1.9M | $38K | 0.52% | 4.00% | 3.44% | 1,427 |
| Q3 2025 | $7.5M | $5.6M | $824K | $1.9M | $28K | 0.49% | 3.71% | 3.67% | 1,442 |
| Q2 2025 | $7.7M | $5.8M | $804K | $1.9M | $25K | 0.66% | 3.45% | 3.28% | 1,444 |
| Q1 2025 | $7.9M | $6.0M | $793K | $1.9M | $10K | 0.51% | 3.27% | 1.80% | 1,463 |
| Q4 2024 | $7.9M | $6.0M | $888K | $1.9M | $42K | 0.53% | 3.30% | 2.52% | 1,468 |
| Q3 2024 | $8.3M | $6.4M | $862K | $1.9M | $39K | 0.63% | 3.13% | 1.65% | 1,479 |
| Q2 2024 | $8.5M | $6.5M | $845K | $1.8M | $34K | 0.81% | 3.06% | 1.21% | 1,505 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.48% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $802K · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 81.5% | 68th |
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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