| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.1 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $988K | $890K | $476K | $97K | $-87 | -0.04% | 5.27% | 0.52% | 360 |
| Q4 2025 | $1.0M | $907K | $520K | $118K | $-982 | -0.10% | 4.98% | 1.87% | 322 |
| Q3 2025 | $1.0M | $930K | $536K | $120K | $8K | 1.07% | 5.07% | 1.63% | 368 |
| Q2 2025 | $1.0M | $927K | $563K | $115K | $-3K | -0.50% | 4.90% | 1.36% | 368 |
| Q1 2025 | $1.1M | $934K | $531K | $112K | $-11K | -4.00% | 5.06% | 1.24% | 370 |
| Q4 2024 | $1.0M | $918K | $585K | $117K | $13K | 1.27% | 5.50% | 1.47% | 371 |
| Q3 2024 | $1.1M | $949K | $583K | $114K | $5K | 0.65% | 5.47% | 0.91% | 372 |
| Q2 2024 | $1.0M | $926K | $589K | $108K | $24K | 4.71% | 5.63% | 0.83% | 376 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $476K · securities $326K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 81.5% | 43th |
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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