| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | +15.9% | +0.7% | +15.2 pts |
| Loan growth (YoY) | +43.2% | -2.4% | +45.5 pts |
| ROA | -7.76% | 0.60% | -8.4 pts |
| ROE | -68.4% | 4.1% | -72.5 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $372K | $188K | $18K | $42K | $-7K | -7.76% | 0.36% | 0.00% | 70 |
| Q4 2025 | $249K | $175K | $19K | $49K | $2K | 0.92% | 0.67% | 0.00% | 70 |
| Q3 2025 | $313K | $189K | $6K | $55K | $7K | 3.15% | 0.64% | 0.00% | 70 |
| Q2 2025 | $351K | $172K | $10K | $26K | $-21K | -12.25% | 0.60% | 0.00% | 70 |
| Q1 2025 | $372K | $163K | $12K | $34K | $-14K | -14.59% | 0.63% | 0.00% | 66 |
| Q4 2024 | $282K | $155K | $15K | $47K | $-7K | -2.48% | 0.79% | 0.00% | 76 |
| Q3 2024 | $328K | $170K | $0 | $45K | $-9K | -3.85% | 0.74% | — | 76 |
| Q2 2024 | $280K | $160K | $0 | $34K | $-20K | -14.21% | 0.76% | — | 76 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $18K · securities $10K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -7.76% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -68.4% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.1% | 81.5% | 95th |
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.