| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.4 pts |
| Loan growth (YoY) | -13.8% | -2.4% | -11.4 pts |
| ROA | -1.60% | 0.60% | -2.2 pts |
| ROE | -6.5% | 4.1% | -10.6 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $873K | $651K | $50K | $216K | $-3K | -1.60% | 2.64% | 0.00% | 90 |
| Q4 2025 | $853K | $627K | $58K | $219K | $-19K | -2.17% | 3.23% | 0.00% | 92 |
| Q3 2025 | $853K | $619K | $52K | $229K | $-8K | -1.26% | 3.06% | 0.00% | 92 |
| Q2 2025 | $839K | $601K | $50K | $232K | $-4K | -1.05% | 3.05% | 0.00% | 93 |
| Q1 2025 | $860K | $619K | $58K | $235K | $-3K | -1.19% | 2.91% | 0.00% | 98 |
| Q4 2024 | $871K | $628K | $57K | $238K | $-16K | -1.87% | 3.22% | 0.00% | 100 |
| Q3 2024 | $907K | $658K | $71K | $245K | $-9K | -1.28% | 3.08% | 0.00% | 103 |
| Q2 2024 | $892K | $660K | $73K | $227K | $-5K | -1.15% | 3.23% | 0.00% | 103 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $50K · securities $552K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.60% | 0.60% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -6.5% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 158.7% | 81.5% | 98th |
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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