| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.3 pts |
| Share growth (YoY) | -0.3% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -21.4% | -2.4% | -19.1 pts |
| ROA | -0.28% | 0.60% | -0.9 pts |
| ROE | -1.6% | 4.1% | -5.7 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $3.3M | $1.1M | $682K | $-3K | -0.28% | 4.17% | 4.29% | 643 |
| Q4 2025 | $3.9M | $3.2M | $1.3M | $685K | $-27K | -0.70% | 4.65% | 6.48% | 641 |
| Q3 2025 | $3.9M | $3.2M | $1.4M | $718K | $2K | 0.08% | 4.57% | 8.01% | 638 |
| Q2 2025 | $3.8M | $3.1M | $1.4M | $717K | $1K | 0.07% | 4.73% | 8.69% | 668 |
| Q1 2025 | $4.0M | $3.3M | $1.4M | $711K | $-5K | -0.53% | 4.42% | 6.26% | 660 |
| Q4 2024 | $3.9M | $3.2M | $1.5M | $716K | $16K | 0.42% | 4.99% | 5.97% | 671 |
| Q3 2024 | $4.1M | $3.3M | $1.6M | $718K | $18K | 0.59% | 4.78% | 6.06% | 673 |
| Q2 2024 | $3.8M | $3.1M | $1.7M | $707K | $7K | 0.37% | 4.95% | 3.65% | 638 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.28% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.7% | 81.5% | 88th |
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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