| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -3.6% | +0.7% | -4.3 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $40.8M | $31.0M | $3.4M | $8K | 0.07% | 3.43% | 2.24% | 3,744 |
| Q4 2025 | $43.6M | $40.8M | $31.8M | $3.4M | $-108K | -0.25% | 3.27% | 2.85% | 3,729 |
| Q3 2025 | $46.6M | $42.8M | $32.5M | $3.4M | $-118K | -0.34% | 3.00% | 1.53% | 3,735 |
| Q2 2025 | $46.6M | $42.4M | $32.5M | $3.4M | $-110K | -0.47% | 2.90% | 1.19% | 3,709 |
| Q1 2025 | $46.3M | $42.4M | $31.8M | $3.4M | $-122K | -1.06% | 2.77% | 0.71% | 3,690 |
| Q4 2024 | $44.3M | $40.9M | $32.1M | $3.5M | $-624K | -1.41% | 2.91% | 1.27% | 3,652 |
| Q3 2024 | $45.5M | $41.5M | $32.3M | $3.6M | $-523K | -1.53% | 2.84% | 1.14% | 3,666 |
| Q2 2024 | $45.6M | $41.9M | $32.7M | $3.9M | $-257K | -1.13% | 2.86% | 1.30% |
| Ratio | 705 Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,679 |
Loan mix (Q1 2026): real estate $7.4M · commercial $0 · consumer $19.1M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 81.5% | 81th |
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 | 705 Federal 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 | 705 Federal 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 | 705 Federal 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 | 705 Federal 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% |
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