| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.5 pts |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | -2.76% | 0.60% | -3.4 pts |
| ROE | -18.3% | 4.1% | -22.4 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 | $191K | $162K | $0 | $29K | $-1K | -2.76% | 2.62% | — | 75 |
| Q4 2025 | $188K | $158K | $0 | $30K | $2K | 1.19% | 3.55% | — | 75 |
| Q3 2025 | $208K | $179K | $0 | $30K | $2K | 1.05% | 3.21% | — | 77 |
| Q2 2025 | $198K | $169K | $0 | $29K | $1K | 1.08% | 3.32% | — | 79 |
| Q1 2025 | $204K | $176K | $0 | $29K | $724 | 1.42% | 3.34% | — | 79 |
| Q4 2024 | $194K | $166K | $0 | $28K | $3K | 1.68% | 4.46% | — | 83 |
| Q3 2024 | $206K | $178K | $403 | $28K | $2K | 1.15% | 3.75% | 0.00% | 82 |
| Q2 2024 | $205K | $178K | $522 | $26K | $2K | 1.66% | 4.32% | 0.00% | 81 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $107K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.76% | 0.60% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -18.3% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 205.4% | 81.5% | 99th |
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.