| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -17.6% | -2.4% | -15.2 pts |
| ROA | -2.51% | 0.60% | -3.1 pts |
| ROE | -17.6% | 4.1% | -21.7 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 | $8.2M | $7.0M | $4.4M | $1.2M | $-52K | -2.51% | 4.30% | 2.67% | 1,111 |
| Q4 2025 | $8.0M | $6.8M | $4.7M | $1.2M | $-87K | -1.09% | 4.57% | 1.06% | 1,132 |
| Q3 2025 | $8.2M | $6.9M | $5.0M | $1.3M | $-20K | -0.33% | 4.35% | 1.86% | 1,145 |
| Q2 2025 | $8.0M | $6.7M | $5.2M | $1.3M | $-23K | -0.57% | 4.39% | 0.86% | 1,104 |
| Q1 2025 | $8.4M | $7.0M | $5.3M | $1.3M | $-31K | -1.48% | 4.05% | 0.00% | 1,115 |
| Q4 2024 | $8.6M | $6.9M | $5.6M | $1.3M | $-38K | -0.44% | 4.16% | 0.17% | 1,151 |
| Q3 2024 | $9.0M | $7.2M | $5.7M | $1.3M | $-33K | -0.49% | 3.93% | 0.24% | 1,179 |
| Q2 2024 | $9.4M | $7.5M | $5.7M | $1.3M | $-9K | -0.19% | 3.81% | 0.37% | 1,288 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.51% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -17.6% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $152K · commercial $0 · consumer $4.2M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.5% | 81.5% | 91th |
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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