| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -23.9% | +1.3% | -25.2 pts |
| Share growth (YoY) | +17.9% | +0.7% | +17.2 pts |
| Loan growth (YoY) | +366.6% | -2.4% | +368.9 pts |
| ROA | -14.93% | 0.60% | -15.5 pts |
| ROE | -326.8% | 4.1% | -330.9 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $716K | $444K | $197K | $33K | $-27K | -14.93% | 5.10% | 0.00% | 188 |
| Q4 2025 | $758K | $448K | $146K | $59K | $-103K | -13.64% | 3.05% | 0.00% | 159 |
| Q3 2025 | $755K | $448K | $146K | $56K | $-106K | -18.75% | 4.08% | 0.00% | 159 |
| Q2 2025 | $980K | $384K | $74K | $100K | $-42K | -8.65% | 3.48% | 0.00% | 136 |
| Q1 2025 | $940K | $376K | $42K | $79K | $-64K | -27.20% | 2.17% | 0.00% | 239 |
| Q4 2024 | $420K | $280K | $2K | $142K | $-258K | -61.46% | 3.72% | 0.00% | 210 |
| Q3 2024 | $549K | $329K | $2K | $220K | $-166K | -40.26% | 0.08% | 0.00% | 130 |
| Q2 2024 | $400K | $0 | $0 | $0 | $-3K | -1.50% | 2.25% | — | 1 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -14.93% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -326.8% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $197K · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 205.6% | 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% |
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