| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -13.3% | -2.4% | -10.9 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $4.7M | $3.6M | $1.9M | $21K | 1.26% | 4.34% | 3.13% | 813 |
| Q4 2025 | $6.7M | $4.8M | $3.6M | $1.9M | $96K | 1.43% | 4.51% | 4.32% | 803 |
| Q3 2025 | $6.7M | $4.8M | $3.9M | $1.9M | $92K | 1.83% | 4.68% | 3.65% | 805 |
| Q2 2025 | $6.7M | $4.8M | $4.1M | $1.8M | $63K | 1.88% | 4.78% | 2.31% | 811 |
| Q1 2025 | $6.8M | $4.9M | $4.1M | $1.8M | $35K | 2.10% | 4.76% | 0.28% | 814 |
| Q4 2024 | $6.9M | $5.1M | $4.0M | $1.8M | $102K | 1.48% | 4.43% | 1.16% | 811 |
| Q3 2024 | $6.8M | $5.0M | $3.9M | $1.8M | $82K | 1.60% | 4.53% | 0.00% | 801 |
| Q2 2024 | $7.0M | $5.2M | $3.8M | $1.7M | $52K | 1.49% | 4.37% | 0.43% | 792 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 81.5% | 28th |
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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