| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +6.8% | -2.4% | +9.2 pts |
| ROA | -0.51% | 0.60% | -1.1 pts |
| ROE | -12.9% | 4.1% | -17.0 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.7M | $11.1M | $7.0M | $460K | $-15K | -0.51% | 3.57% | 4.50% | 2,055 |
| Q4 2025 | $11.8M | $11.2M | $6.9M | $474K | $-50K | -0.43% | 3.96% | 2.56% | 2,050 |
| Q3 2025 | $11.8M | $11.2M | $6.8M | $481K | $-77K | -0.87% | 3.95% | 3.64% | 2,129 |
| Q2 2025 | $11.9M | $11.2M | $6.8M | $798K | $21K | 0.35% | 4.05% | 4.06% | 2,058 |
| Q1 2025 | $12.1M | $11.4M | $6.6M | $553K | $-5K | -0.17% | 4.13% | 6.15% | 2,041 |
| Q4 2024 | $11.5M | $10.8M | $6.9M | $578K | $-13K | -0.11% | 4.38% | 4.45% | 2,056 |
| Q3 2024 | $12.3M | $11.2M | $6.9M | $578K | $-11K | -0.12% | 4.10% | 5.40% | 2,050 |
| Q2 2024 | $12.2M | $11.4M | $6.8M | $711K | $1K | 0.02% | 3.03% | 2.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.51% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -12.9% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,050 |
Loan mix (Q1 2026): real estate $3.6M · commercial $94K · consumer $2.7M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.1% | 81.5% | 91th |
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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