| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | +11.5% | -2.4% | +13.9 pts |
| ROA | -1.68% | 0.60% | -2.3 pts |
| ROE | -5.1% | 4.1% | -9.2 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 | $7.0M | $4.6M | $3.7M | $2.3M | $-29K | -1.68% | 3.98% | 0.20% | 1,912 |
| Q4 2025 | $7.4M | $5.0M | $3.6M | $2.3M | $-83K | -1.13% | 3.76% | 0.00% | 1,910 |
| Q3 2025 | $7.0M | $4.6M | $3.4M | $2.4M | $-49K | -0.93% | 4.01% | 0.00% | 1,908 |
| Q2 2025 | $7.4M | $5.0M | $3.5M | $2.4M | $-43K | -1.17% | 3.73% | 0.00% | 1,908 |
| Q1 2025 | $7.2M | $4.7M | $3.3M | $2.4M | $-29K | -1.59% | 3.78% | 0.00% | 1,903 |
| Q4 2024 | $7.1M | $4.7M | $3.5M | $2.4M | $-84K | -1.18% | 3.89% | 0.00% | 1,898 |
| Q3 2024 | $7.1M | $4.5M | $3.4M | $2.5M | $-41K | -0.77% | 3.93% | 0.00% | 1,894 |
| Q2 2024 | $7.1M | $4.6M | $3.5M | $2.5M | $-22K | -0.60% | 3.87% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.68% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,888 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 120.3% | 81.5% | 94th |
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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