| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +1.3% | -9.8 pts |
| Share growth (YoY) | -9.1% | +0.7% | -9.8 pts |
| Loan growth (YoY) | -15.0% | -2.4% | -12.7 pts |
| ROA | -1.54% | 0.60% | -2.1 pts |
| ROE | -15.3% | 4.1% | -19.4 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 | $3.1M | $2.8M | $1.8M | $313K | $-12K | -1.54% | 4.66% | 3.81% | 623 |
| Q4 2025 | $3.2M | $2.8M | $2.0M | $325K | $-3K | -0.10% | 4.95% | 5.69% | 642 |
| Q3 2025 | $3.2M | $2.9M | $2.0M | $326K | $-2K | -0.07% | 4.83% | 5.11% | 645 |
| Q2 2025 | $3.3M | $2.9M | $2.1M | $324K | $-5K | -0.28% | 4.87% | 3.32% | 651 |
| Q1 2025 | $3.4M | $3.0M | $2.2M | $321K | $-7K | -0.88% | 4.67% | 1.89% | 648 |
| Q4 2024 | $3.5M | $3.1M | $2.1M | $328K | $10K | 0.30% | 5.08% | 3.58% | 641 |
| Q3 2024 | $3.6M | $3.2M | $2.1M | $351K | $33K | 1.22% | 4.93% | 5.17% | 638 |
| Q2 2024 | $3.7M | $3.3M | $2.2M | $337K | $20K | 1.07% | 4.83% | 5.75% | 631 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.54% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -15.3% | 4.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.8% | 81.5% | 86th |
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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