| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.3 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | -1.56% | 0.60% | -2.2 pts |
| ROE | -14.9% | 4.1% | -19.0 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.6M | $13.0M | $5.4M | $1.5M | $-57K | -1.56% | 4.69% | 1.90% | 3,600 |
| Q4 2025 | $14.5M | $13.0M | $5.9M | $1.6M | $-441K | -3.05% | 4.57% | 1.82% | 3,654 |
| Q3 2025 | $15.1M | $13.4M | $6.3M | $1.7M | $-358K | -3.16% | 4.23% | 1.12% | 3,256 |
| Q2 2025 | $15.7M | $14.0M | $6.0M | $1.7M | $-361K | -4.62% | 3.85% | 1.42% | 3,710 |
| Q1 2025 | $16.1M | $14.1M | $6.1M | $2.0M | $-84K | -2.10% | 3.92% | 1.50% | 3,791 |
| Q4 2024 | $16.0M | $14.0M | $6.3M | $2.1M | $-457K | -2.85% | 4.42% | 2.23% | 3,852 |
| Q3 2024 | $16.3M | $14.2M | $6.3M | $2.1M | $-443K | -3.63% | 4.45% | 2.69% | 3,901 |
| Q2 2024 | $17.2M | $15.1M | $6.5M | $2.2M | $-380K | -4.42% | 4.21% | 2.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.56% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -14.9% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,929 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.3M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.8% | 81.5% | 93th |
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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