| Metric | Your Best Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.3% | +1.3% | -9.6 pts |
| Share growth (YoY) | -9.1% | +0.7% | -9.7 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.4 pts |
| ROA | -1.72% | 0.60% | -2.3 pts |
| ROE | -11.6% | 4.1% | -15.8 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.3M | $13.9M | $12.3M | $2.4M | $-70K | -1.72% | 4.64% | 0.00% | 1,745 |
| Q4 2025 | $15.9M | $13.4M | $12.8M | $2.5M | $23K | 0.14% | 4.56% | 0.00% | 1,748 |
| Q3 2025 | $16.1M | $13.6M | $12.6M | $2.5M | $4K | 0.03% | 4.43% | 0.03% | 1,748 |
| Q2 2025 | $17.5M | $15.0M | $12.4M | $2.5M | $50K | 0.57% | 4.14% | 0.00% | 1,751 |
| Q1 2025 | $17.8M | $15.3M | $12.9M | $2.5M | $25K | 0.56% | 3.96% | 0.04% | 1,759 |
| Q4 2024 | $17.3M | $14.8M | $13.2M | $2.5M | $38K | 0.22% | 3.92% | 0.00% | 1,769 |
| Q3 2024 | $16.9M | $14.5M | $13.2M | $2.4M | $-4K | -0.03% | 3.98% | 0.00% | 1,779 |
| Q2 2024 | $17.2M | $14.9M | $13.5M | $2.4M | $-40K | -0.46% | 3.83% | 0.13% |
| Ratio | Your Best Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.72% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -11.6% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,783 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.3M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th |
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 | Your Best Credit Union | 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 | Your Best Credit Union | 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 | Your Best Credit Union | 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 | Your Best Credit Union | 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.