| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -31.6% | +0.7% | -32.3 pts |
| Loan growth (YoY) | -39.9% | -2.4% | -37.6 pts |
| ROA | -1.67% | 0.60% | -2.3 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129K | $20K | $23K | $109K | $-537 | -1.67% | 3.63% | 0.00% | 51 |
| Q4 2025 | $131K | $21K | $27K | $110K | $-4K | -2.73% | 4.97% | 0.00% | 52 |
| Q3 2025 | $129K | $18K | $30K | $110K | $-3K | -3.10% | 5.06% | 0.00% | 53 |
| Q2 2025 | $142K | $28K | $35K | $113K | $-17 | -0.02% | 4.80% | 0.00% | 53 |
| Q1 2025 | $142K | $29K | $38K | $114K | $137 | 0.39% | 5.23% | 0.00% | 55 |
| Q4 2024 | $145K | $31K | $50K | $113K | $-115 | -0.08% | 5.64% | 0.00% | 77 |
| Q3 2024 | $162K | $49K | $55K | $113K | $-464 | -0.38% | 5.01% | 0.00% | 77 |
| Q2 2024 | $165K | $51K | $60K | $114K | $21 | 0.03% | 4.22% | 0.00% | 77 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23K · securities $4K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.67% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 145.9% | 81.5% | 97th |
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.