| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.2 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.8M | $8.7M | $2.0M | $924K | $2K | 0.10% | 1.35% | 4.40% | 415 |
| Q4 2025 | $9.6M | $8.6M | $2.1M | $921K | $-14K | -0.14% | 1.08% | 10.18% | 447 |
| Q3 2025 | $9.4M | $8.4M | $2.0M | $900K | $-35K | -0.50% | 0.75% | 3.25% | 448 |
| Q2 2025 | $9.8M | $8.8M | $2.0M | $908K | $-27K | -0.55% | 0.68% | 3.75% | 447 |
| Q1 2025 | $10.1M | $9.1M | $2.1M | $921K | $-15K | -0.58% | 0.62% | 1.18% | 448 |
| Q4 2024 | $10.2M | $9.2M | $2.1M | $935K | $-55K | -0.53% | 0.60% | 0.00% | 450 |
| Q3 2024 | $10.1M | $9.1M | $2.1M | $952K | $-37K | -0.49% | 0.66% | 0.12% | 454 |
| Q2 2024 | $9.9M | $8.8M | $2.1M | $962K | $-28K | -0.57% | 0.64% | 6.56% | 453 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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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