| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +7.6% | +0.7% | +7.0 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.2 pts |
| ROA | -1.16% | 0.60% | -1.8 pts |
| ROE | -12.2% | 4.1% | -16.3 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.7M | $899K | $180K | $-5K | -1.16% | 3.28% | 0.00% | 227 |
| Q4 2025 | $1.8M | $1.6M | $947K | $185K | $-4K | -0.25% | 4.28% | 0.00% | 228 |
| Q3 2025 | $1.7M | $1.5M | $906K | $188K | $-934 | -0.07% | 4.58% | 0.00% | 236 |
| Q2 2025 | $1.7M | $1.5M | $891K | $189K | $-235 | -0.03% | 4.58% | 0.00% | 234 |
| Q1 2025 | $1.8M | $1.6M | $923K | $190K | $415 | 0.09% | 4.43% | 0.00% | 233 |
| Q4 2024 | $1.7M | $1.5M | $841K | $189K | $15K | 0.84% | 4.92% | 0.00% | 239 |
| Q3 2024 | $1.7M | $1.6M | $811K | $185K | $11K | 0.81% | 4.96% | 0.00% | 240 |
| Q2 2024 | $1.8M | $1.6M | $818K | $183K | $9K | 0.97% | 4.99% | 0.48% | 239 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.16% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -12.2% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $775K · securities $606K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.8% | 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% |
The full ratio pack is part of CharterBench Pro.