| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | -30.7% | -2.4% | -28.3 pts |
| ROA | -0.82% | 0.60% | -1.4 pts |
| ROE | -9.3% | 4.1% | -13.4 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.1M | $24.5M | $8.6M | $2.4M | $-56K | -0.82% | 3.21% | 0.12% | 1,641 |
| Q4 2025 | $27.9M | $25.2M | $9.8M | $2.5M | $-155K | -0.55% | 3.44% | 0.29% | 1,682 |
| Q3 2025 | $27.7M | $25.4M | $11.1M | $2.5M | $-152K | -0.73% | 3.49% | 0.96% | 2,499 |
| Q2 2025 | $27.6M | $25.1M | $11.7M | $2.5M | $-72K | -0.53% | 3.54% | 0.49% | 2,509 |
| Q1 2025 | $27.3M | $24.9M | $12.4M | $2.5M | $-79K | -1.15% | 3.61% | 0.26% | 2,272 |
| Q4 2024 | $26.8M | $24.0M | $13.7M | $2.6M | $167K | 0.62% | 3.60% | 0.95% | 2,525 |
| Q3 2024 | $27.3M | $24.5M | $13.6M | $2.6M | $256K | 1.25% | 3.51% | 0.91% | 2,523 |
| Q2 2024 | $27.4M | $24.7M | $13.5M | $2.6M | $136K | 0.99% | 3.48% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.82% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -9.3% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,154 |
Loan mix (Q1 2026): real estate $4.7M · commercial $266K · consumer $2.9M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.4% | 81.5% | 93th |
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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