| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -19.5% | +1.3% | -20.8 pts |
| Share growth (YoY) | -23.8% | +0.7% | -24.5 pts |
| Loan growth (YoY) | -32.4% | -2.4% | -30.0 pts |
| ROA | -4.04% | 0.60% | -4.6 pts |
| ROE | -13.7% | 4.1% | -17.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $328K | $232K | $58K | $97K | $-3K | -4.04% | 2.96% | 21.23% | 153 |
| Q4 2025 | $360K | $260K | $69K | $100K | $-15K | -4.25% | 3.87% | 17.90% | 157 |
| Q3 2025 | $388K | $285K | $83K | $103K | $-11K | -3.91% | 3.65% | 19.79% | 161 |
| Q2 2025 | $400K | $298K | $87K | $102K | $-13K | -6.54% | 3.52% | 18.30% | 168 |
| Q1 2025 | $408K | $304K | $86K | $104K | $-10K | -10.05% | 4.01% | 21.36% | 171 |
| Q4 2024 | $387K | $282K | $97K | $106K | $-16K | -4.12% | 5.47% | 24.25% | 175 |
| Q3 2024 | $406K | $294K | $92K | $113K | $-9K | -2.91% | 5.19% | 35.37% | 180 |
| Q2 2024 | $412K | $300K | $101K | $113K | $-9K | -4.43% | 5.42% | 14.23% | 190 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.04% | 0.60% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -13.7% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $58K · securities $100
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 217.2% | 81.5% | 99th |
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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