| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.1 pts |
| ROA | -0.31% | 0.60% | -0.9 pts |
| ROE | -2.8% | 4.1% | -6.9 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.1M | $962K | $240K | $128K | $-883 | -0.31% | 3.47% | 6.47% | 411 |
| Q4 2025 | $1.1M | $927K | $236K | $129K | $15 | 0.00% | 3.44% | 6.18% | 414 |
| Q3 2025 | $1.1M | $961K | $253K | $126K | $-3K | -0.36% | 3.20% | 3.58% | 423 |
| Q2 2025 | $1.2M | $998K | $268K | $130K | $1K | 0.24% | 2.84% | 4.83% | 427 |
| Q1 2025 | $1.2M | $1.0M | $261K | $127K | $-2K | -0.55% | 2.21% | 3.88% | 433 |
| Q4 2024 | $1.1M | $938K | $265K | $129K | $6K | 0.53% | 3.36% | 0.66% | 432 |
| Q3 2024 | $1.2M | $992K | $262K | $127K | $4K | 0.47% | 3.30% | 4.57% | 443 |
| Q2 2024 | $1.1M | $976K | $285K | $124K | $1K | 0.19% | 3.10% | 4.93% | 445 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $240K · securities $455K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.31% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.1% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.8% | 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.