| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.4% | +1.3% | -11.7 pts |
| Share growth (YoY) | -10.1% | +0.7% | -10.8 pts |
| Loan growth (YoY) | -19.2% | -2.4% | -16.9 pts |
| ROA | -1.12% | 0.60% | -1.7 pts |
| ROE | -14.6% | 4.1% | -18.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.2M | $976K | $100K | $-4K | -1.12% | 5.79% | 0.00% | 335 |
| Q4 2025 | $1.4M | $1.3M | $1.0M | $104K | $-62K | -4.56% | 5.77% | 0.00% | 358 |
| Q3 2025 | $1.4M | $1.3M | $1.1M | $113K | $-53K | -4.97% | 5.66% | 0.00% | 349 |
| Q2 2025 | $1.4M | $1.3M | $1.2M | $113K | $-53K | -7.41% | 5.65% | 0.00% | 348 |
| Q1 2025 | $1.5M | $1.3M | $1.2M | $115K | $-51K | -13.90% | 5.75% | 0.00% | 354 |
| Q4 2024 | $1.5M | $1.3M | $1.2M | $166K | $-14K | -0.96% | 5.60% | 3.07% | 365 |
| Q3 2024 | $1.5M | $1.3M | $1.2M | $178K | $-2K | -0.20% | 5.48% | 0.11% | 361 |
| Q2 2024 | $1.7M | $1.5M | $1000K | $176K | $-4K | -0.49% | 4.78% | 0.00% | 357 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.12% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -14.6% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $934K · securities $110K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.3% | 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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