| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.8% | +1.3% | -14.1 pts |
| Share growth (YoY) | -14.0% | +0.7% | -14.7 pts |
| Loan growth (YoY) | -32.9% | -2.4% | -30.6 pts |
| ROA | -0.43% | 0.60% | -1.0 pts |
| ROE | -4.6% | 4.1% | -8.7 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $2.0M | $115K | $219K | $-3K | -0.43% | 2.65% | 3.17% | 1,418 |
| Q4 2025 | $2.6M | $2.2M | $109K | $222K | $-5K | -0.20% | 2.69% | 5.51% | 1,363 |
| Q3 2025 | $2.7M | $2.4M | $126K | $192K | $-35K | -1.71% | 2.73% | 6.35% | 1,513 |
| Q2 2025 | $2.8M | $2.5M | $159K | $200K | $-27K | -1.90% | 2.21% | 2.73% | 1,493 |
| Q1 2025 | $2.7M | $2.3M | $171K | $219K | $-7K | -1.10% | 2.38% | 0.13% | 1,450 |
| Q4 2024 | $2.3M | $1.9M | $144K | $227K | $25K | 1.12% | 3.62% | 20.48% | 1,397 |
| Q3 2024 | $2.4M | $2.1M | $121K | $240K | $47K | 2.59% | 3.38% | 20.15% | 1,445 |
| Q2 2024 | $2.3M | $2.0M | $103K | $225K | $24K | 2.01% | 3.55% | 2.44% | 1,399 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.43% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $113K · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.8% | 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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