| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.5 pts |
| ROA | -2.48% | 0.60% | -3.1 pts |
| ROE | -19.8% | 4.1% | -23.9 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 | $344K | $300K | $282K | $43K | $-2K | -2.48% | 6.66% | 11.20% | 101 |
| Q4 2025 | $336K | $292K | $283K | $45K | $-877 | -0.26% | 7.91% | 9.28% | 100 |
| Q3 2025 | $363K | $319K | $316K | $43K | $-3K | -1.04% | 7.37% | 12.47% | 100 |
| Q2 2025 | $339K | $296K | $303K | $44K | $-2K | -1.46% | 7.77% | 9.62% | 99 |
| Q1 2025 | $339K | $296K | $309K | $45K | $-1K | -1.18% | 8.53% | 6.72% | 101 |
| Q4 2024 | $362K | $317K | $333K | $46K | $-5K | -1.35% | 7.55% | 10.77% | 102 |
| Q3 2024 | $364K | $318K | $350K | $46K | $-5K | -1.80% | 7.42% | 11.75% | 101 |
| Q2 2024 | $370K | $325K | $358K | $46K | $-5K | -2.70% | 7.38% | 4.98% | 126 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.48% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -19.8% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $282K · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 132.9% | 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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