| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.7 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.8 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $1.2M | $1.4M | $787K | $1K | 0.25% | 5.51% | 10.48% | 269 |
| Q4 2025 | $2.0M | $1.2M | $1.4M | $786K | $13K | 0.64% | 5.84% | 9.37% | 277 |
| Q3 2025 | $1.9M | $1.1M | $1.4M | $781K | $8K | 0.54% | 6.06% | 7.05% | 277 |
| Q2 2025 | $1.9M | $1.1M | $1.4M | $779K | $5K | 0.58% | 6.43% | 5.64% | 282 |
| Q1 2025 | $1.9M | $1.1M | $1.5M | $774K | $500 | 0.11% | 6.55% | 5.83% | 287 |
| Q4 2024 | $1.8M | $1.1M | $1.5M | $773K | $466 | 0.03% | 5.90% | 7.86% | 290 |
| Q3 2024 | $1.9M | $1.1M | $1.5M | $790K | $17K | 1.24% | 5.96% | 9.46% | 289 |
| Q2 2024 | $1.8M | $1.0M | $1.4M | $789K | $16K | 1.74% | 6.36% | 7.36% | 287 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $155K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 81.5% | 79th |
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.