| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.3 pts |
| ROA | -1.61% | 0.60% | -2.2 pts |
| ROE | -17.8% | 4.1% | -21.9 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 | $3.7M | $3.4M | $1.5M | $336K | $-15K | -1.61% | 3.96% | 1.70% | 890 |
| Q4 2025 | $3.7M | $3.3M | $1.5M | $351K | $-11K | -0.30% | 4.60% | 3.11% | 875 |
| Q3 2025 | $3.8M | $3.4M | $1.5M | $363K | $138 | 0.00% | 4.55% | 0.93% | 948 |
| Q2 2025 | $3.9M | $3.5M | $1.5M | $365K | $3K | 0.15% | 4.44% | 0.54% | 922 |
| Q1 2025 | $3.7M | $3.3M | $1.5M | $361K | $-1K | -0.14% | 4.46% | 0.04% | 923 |
| Q4 2024 | $3.5M | $3.1M | $1.5M | $363K | $6K | 0.17% | 5.39% | 1.57% | 942 |
| Q3 2024 | $3.5M | $3.1M | $1.5M | $371K | $14K | 0.53% | 5.35% | 1.30% | 937 |
| Q2 2024 | $3.6M | $3.2M | $1.4M | $371K | $14K | 0.78% | 5.42% | 1.94% | 955 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.61% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -17.8% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $4K · commercial $0 · consumer $1.4M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.5% | 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% |
The full ratio pack is part of CharterBench Pro.