| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.3% | +1.3% | -7.6 pts |
| Share growth (YoY) | -6.9% | +0.7% | -7.5 pts |
| Loan growth (YoY) | +3.4% | -2.4% | +5.7 pts |
| ROA | -4.07% | 0.60% | -4.7 pts |
| ROE | -19.0% | 4.1% | -23.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.4M | $1.1M | $394K | $-19K | -4.07% | 4.17% | 3.63% | 399 |
| Q4 2025 | $1.9M | $1.5M | $1.2M | $413K | $8K | 0.42% | 3.47% | 5.39% | 402 |
| Q3 2025 | $1.9M | $1.5M | $1.2M | $419K | $14K | 0.99% | 3.49% | 4.46% | 406 |
| Q2 2025 | $1.9M | $1.5M | $1.3M | $412K | $8K | 0.82% | 2.90% | 3.60% | 406 |
| Q1 2025 | $2.0M | $1.5M | $1.1M | $411K | $7K | 1.46% | 3.39% | 4.35% | 417 |
| Q4 2024 | $1.8M | $1.4M | $1.2M | $404K | $51K | 2.77% | 4.33% | 5.16% | 419 |
| Q3 2024 | $2.0M | $1.5M | $1.3M | $418K | $32K | 2.21% | 3.67% | 8.67% | 423 |
| Q2 2024 | $2.0M | $1.6M | $1.3M | $412K | $21K | 2.17% | 4.01% | 8.85% | 422 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $607K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.07% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -19.0% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 81.5% | 21th |
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.