| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +1.3% | -5.8 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.6 pts |
| Loan growth (YoY) | -32.7% | -2.4% | -30.3 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.6M | $2.5M | $385K | $1.1M | $5K | 0.58% | 4.27% | 0.00% | 779 |
| Q4 2025 | $3.4M | $2.3M | $455K | $1.0M | $65K | 1.92% | 5.35% | 0.43% | 820 |
| Q3 2025 | $3.9M | $2.9M | $499K | $1.0M | $55K | 1.87% | 4.78% | 0.16% | 833 |
| Q2 2025 | $3.8M | $2.7M | $527K | $1.0M | $42K | 2.24% | 5.15% | 0.61% | 845 |
| Q1 2025 | $3.7M | $2.7M | $573K | $1.0M | $23K | 2.51% | 5.46% | 0.00% | 890 |
| Q4 2024 | $3.6M | $2.7M | $598K | $983K | $77K | 2.10% | 5.27% | 0.80% | 908 |
| Q3 2024 | $4.2M | $3.2M | $627K | $963K | $57K | 1.82% | 4.58% | 0.00% | 901 |
| Q2 2024 | $4.1M | $3.1M | $595K | $942K | $36K | 1.77% | 4.52% | 0.00% | 914 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $385K · securities $2.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 81.5% | 62th |
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.