| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.6 pts |
| Loan growth (YoY) | -52.3% | -2.4% | -50.0 pts |
| ROA | 0.04% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.1M | $2.7M | $334K | $379K | $275 | 0.04% | 2.35% | 0.00% | 297 |
| Q4 2025 | $3.1M | $2.8M | $393K | $378K | $72 | 0.00% | 1.97% | 0.00% | 327 |
| Q3 2025 | $3.1M | $2.7M | $455K | $380K | $2K | 0.07% | 1.89% | 0.67% | 334 |
| Q2 2025 | $3.4M | $3.0M | $639K | $385K | $7K | 0.39% | 1.97% | 0.00% | 350 |
| Q1 2025 | $3.4M | $3.0M | $700K | $385K | $7K | 0.82% | 2.01% | 0.00% | 367 |
| Q4 2024 | $3.4M | $3.0M | $868K | $378K | $553 | 0.02% | 1.67% | 0.45% | 375 |
| Q3 2024 | $3.5M | $3.1M | $955K | $378K | $-496 | -0.02% | 1.52% | 0.00% | 402 |
| Q2 2024 | $3.4M | $3.0M | $1.1M | $379K | $1K | 0.06% | 1.66% | 0.00% | 415 |
Loan mix (Q1 2026): real estate $193K · commercial $0 · consumer $100K · securities $2.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.5% | 81.5% | 90th |
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.