| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -5.2% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.1 pts |
| ROA | -1.81% | 0.60% | -2.4 pts |
| ROE | -5.7% | 4.1% | -9.8 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $5.5M | $4.3M | $2.6M | $-37K | -1.81% | 4.40% | 0.60% | 769 |
| Q4 2025 | $8.1M | $5.4M | $4.4M | $2.6M | $18K | 0.22% | 4.51% | 2.23% | 779 |
| Q3 2025 | $8.1M | $5.5M | $4.3M | $2.6M | $59K | 0.97% | 4.78% | 2.11% | 792 |
| Q2 2025 | $8.3M | $5.7M | $4.3M | $2.6M | $28K | 0.69% | 4.64% | 0.89% | 806 |
| Q1 2025 | $8.4M | $5.8M | $4.4M | $2.6M | $7K | 0.34% | 4.50% | 0.34% | 810 |
| Q4 2024 | $9.0M | $6.4M | $4.4M | $2.6M | $457 | 0.01% | 4.08% | 1.94% | 822 |
| Q3 2024 | $8.3M | $5.7M | $4.2M | $2.6M | $12K | 0.19% | 4.37% | 0.97% | 817 |
| Q2 2024 | $8.7M | $6.1M | $4.2M | $2.6M | $-6K | -0.14% | 4.02% | 1.65% | 814 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.81% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -5.7% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.8% | 81.5% | 86th |
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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