| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.6 pts |
| Loan growth (YoY) | +71.8% | -2.4% | +74.1 pts |
| ROA | -2.24% | 0.60% | -2.8 pts |
| ROE | -10.9% | 4.1% | -15.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.2M | $1.5M | $1.1M | $-30K | -2.24% | 5.05% | 2.25% | 1,550 |
| Q4 2025 | $5.4M | $4.2M | $1.5M | $1.1M | $-44K | -0.81% | 4.13% | 2.04% | 1,400 |
| Q3 2025 | $5.4M | $4.1M | $1.6M | $1.2M | $-28K | -0.68% | 3.85% | 0.53% | 1,500 |
| Q2 2025 | $5.7M | $4.4M | $1.8M | $1.2M | $6K | 0.21% | 3.87% | 1.28% | 1,575 |
| Q1 2025 | $5.7M | $4.4M | $850K | $1.2M | $3K | 0.22% | 3.58% | 1.77% | 1,600 |
| Q4 2024 | $5.8M | $4.6M | $933K | $1.2M | $-198K | -3.39% | 3.68% | 0.55% | 1,650 |
| Q3 2024 | $6.0M | $4.7M | $946K | $1.2M | $-177K | -3.93% | 3.45% | 0.79% | 1,700 |
| Q2 2024 | $6.1M | $4.7M | $1.1M | $1.3M | $-106K | -3.48% | 3.28% | 2.49% | 1,700 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.24% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $92K · commercial $0 · consumer $1.3M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.0% | 81.5% | 96th |
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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