| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.8% | +1.3% | -19.1 pts |
| Share growth (YoY) | -17.0% | +0.7% | -17.6 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | -0.47% | 0.60% | -1.1 pts |
| ROE | -4.6% | 4.1% | -8.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $4.0M | $2.6M | $443K | $-5K | -0.47% | 5.30% | 0.16% | 731 |
| Q4 2025 | $4.8M | $4.2M | $2.7M | $448K | $-19K | -0.39% | 5.21% | 0.06% | 618 |
| Q3 2025 | $4.9M | $4.4M | $2.7M | $491K | $24K | 0.65% | 5.03% | 0.00% | 622 |
| Q2 2025 | $5.1M | $4.6M | $2.8M | $460K | $18K | 0.69% | 4.72% | 0.00% | 620 |
| Q1 2025 | $5.3M | $4.8M | $2.8M | $478K | $35K | 2.67% | 4.22% | 0.00% | 615 |
| Q4 2024 | $5.3M | $4.9M | $2.8M | $443K | $-82K | -1.55% | 4.73% | 0.00% | 623 |
| Q3 2024 | $5.4M | $5.0M | $2.9M | $468K | $-57K | -1.41% | 4.77% | 0.13% | 634 |
| Q2 2024 | $5.6M | $5.1M | $3.2M | $510K | $-15K | -0.54% | 4.55% | 0.05% | 646 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 85th |
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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