| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.8 pts |
| ROA | -0.53% | 0.60% | -1.1 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.5M | $5.2M | $2.8M | $1.3M | $-9K | -0.53% | 4.11% | 0.57% | 812 |
| Q4 2025 | $6.4M | $5.0M | $2.9M | $1.3M | $-14K | -0.23% | 3.88% | 0.55% | 808 |
| Q3 2025 | $6.7M | $5.1M | $3.0M | $1.3M | $-21K | -0.41% | 3.53% | 0.00% | 821 |
| Q2 2025 | $6.5M | $5.1M | $2.6M | $1.3M | $-24K | -0.73% | 3.53% | 0.51% | 825 |
| Q1 2025 | $6.7M | $5.3M | $2.7M | $1.3M | $-15K | -0.89% | 3.14% | 0.00% | 1,104 |
| Q4 2024 | $6.7M | $5.1M | $2.8M | $1.3M | $-97K | -1.45% | 3.20% | 0.00% | 836 |
| Q3 2024 | $6.9M | $5.5M | $2.9M | $1.4M | $-70K | -1.35% | 3.15% | 0.64% | 851 |
| Q2 2024 | $6.8M | $5.5M | $2.8M | $1.4M | $-55K | -1.62% | 3.00% | 0.92% | 841 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.53% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.0% | 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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