| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.6 pts |
| Loan growth (YoY) | +7.7% | -2.4% | +10.1 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.4M | $1.2M | $929K | $170K | $3K | 0.98% | 3.80% | 1.72% | 434 |
| Q4 2025 | $1.4M | $1.3M | $945K | $167K | $5K | 0.36% | 3.45% | 3.77% | 430 |
| Q3 2025 | $1.4M | $1.3M | $928K | $166K | $5K | 0.46% | 3.41% | 2.25% | 428 |
| Q2 2025 | $1.4M | $1.2M | $961K | $164K | $3K | 0.40% | 3.44% | 2.67% | 426 |
| Q1 2025 | $1.4M | $1.2M | $862K | $163K | $1K | 0.34% | 3.32% | 4.31% | 424 |
| Q4 2024 | $1.4M | $1.2M | $892K | $161K | $7K | 0.49% | 3.52% | 4.76% | 425 |
| Q3 2024 | $1.3M | $1.1M | $940K | $161K | $6K | 0.64% | 3.79% | 2.18% | 425 |
| Q2 2024 | $1.3M | $1.1M | $916K | $160K | $5K | 0.85% | 3.79% | 1.73% | 424 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $929K · securities $161K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 81.5% | 41th |
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.