| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -8.4% | +0.7% | -9.1 pts |
| Loan growth (YoY) | -15.2% | -2.4% | -12.9 pts |
| ROA | -2.45% | 0.60% | -3.1 pts |
| ROE | -9.9% | 4.1% | -14.0 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4M | $1.8M | $1.5M | $601K | $-15K | -2.45% | 6.66% | 5.95% | 1,093 |
| Q4 2025 | $2.4M | $1.8M | $1.7M | $616K | $-62K | -2.58% | 7.59% | 6.65% | 1,092 |
| Q3 2025 | $2.5M | $1.8M | $1.7M | $666K | $-13K | -0.69% | 7.48% | 7.66% | 1,089 |
| Q2 2025 | $2.6M | $1.9M | $1.8M | $668K | $-11K | -0.82% | 7.30% | 8.32% | 1,085 |
| Q1 2025 | $2.7M | $2.0M | $1.8M | $678K | $-790 | -0.12% | 7.28% | 8.51% | 1,089 |
| Q4 2024 | $2.4M | $1.7M | $1.9M | $678K | $31K | 1.27% | 8.05% | 8.66% | 1,087 |
| Q3 2024 | $2.5M | $1.8M | $1.9M | $691K | $69K | 3.65% | 7.83% | 10.57% | 1,086 |
| Q2 2024 | $2.5M | $1.8M | $1.9M | $687K | $40K | 3.12% | 7.74% | 8.83% | 1,092 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.45% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -9.9% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.0% | 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% |
The full ratio pack is part of CharterBench Pro.