| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -21.5% | -2.4% | -19.1 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.5M | $7.8M | $3.0M | $656K | $3K | 0.14% | 4.83% | 1.73% | 1,456 |
| Q4 2025 | $8.2M | $7.6M | $3.3M | $653K | $46K | 0.55% | 5.47% | 2.31% | 1,495 |
| Q3 2025 | $8.5M | $7.8M | $3.5M | $649K | $42K | 0.65% | 5.38% | 1.95% | 1,495 |
| Q2 2025 | $8.5M | $7.8M | $3.7M | $635K | $27K | 0.64% | 5.40% | 0.74% | 1,508 |
| Q1 2025 | $8.5M | $7.8M | $3.8M | $614K | $6K | 0.29% | 5.26% | 1.49% | 1,528 |
| Q4 2024 | $7.9M | $7.2M | $3.8M | $607K | $34K | 0.42% | 5.80% | 0.83% | 1,539 |
| Q3 2024 | $8.7M | $8.0M | $3.9M | $599K | $25K | 0.38% | 5.24% | 1.64% | 1,572 |
| Q2 2024 | $8.5M | $7.8M | $3.7M | $582K | $8K | 0.19% | 5.20% | 1.32% | 1,592 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 81.5% | 83th |
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.