| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.9 pts |
| ROA | -0.86% | 0.60% | -1.5 pts |
| ROE | -1.9% | 4.1% | -6.0 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $768K | $686K | $659K | $-3K | -0.86% | 4.58% | 0.00% | 315 |
| Q4 2025 | $1.5M | $787K | $670K | $663K | $-8K | -0.50% | 3.86% | 0.63% | 319 |
| Q3 2025 | $1.6M | $848K | $681K | $660K | $-10K | -0.84% | 3.69% | 0.02% | 315 |
| Q2 2025 | $1.5M | $764K | $704K | $661K | $-9K | -1.23% | 4.02% | 2.36% | 316 |
| Q1 2025 | $1.5M | $762K | $683K | $661K | $-10K | -2.51% | 3.50% | 0.07% | 329 |
| Q4 2024 | $1.5M | $773K | $763K | $670K | $-30K | -1.96% | 4.05% | 2.03% | 329 |
| Q3 2024 | $1.6M | $804K | $833K | $688K | $-12K | -1.03% | 4.01% | 3.90% | 328 |
| Q2 2024 | $1.5M | $761K | $914K | $688K | $-12K | -1.61% | 4.17% | 3.80% | 332 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $487K · securities $396K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.8% | 81.5% | 88th |
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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