| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.6 pts |
| Loan growth (YoY) | -4.6% | -2.4% | -2.3 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $9.0M | $7.4M | $868K | $24K | 0.91% | 4.60% | 0.00% | 1,014 |
| Q4 2025 | $10.5M | $9.1M | $7.7M | $844K | $58K | 0.55% | 4.66% | 0.11% | 1,024 |
| Q3 2025 | $10.3M | $9.0M | $7.8M | $825K | $33K | 0.43% | 4.69% | 0.47% | 1,016 |
| Q2 2025 | $10.6M | $9.3M | $7.7M | $820K | $28K | 0.53% | 4.44% | 0.16% | 1,008 |
| Q1 2025 | $10.5M | $9.1M | $7.7M | $803K | $11K | 0.43% | 4.33% | 0.07% | 987 |
| Q4 2024 | $9.9M | $8.6M | $7.8M | $792K | $59K | 0.59% | 4.43% | 0.22% | 994 |
| Q3 2024 | $9.3M | $8.0M | $7.4M | $794K | $55K | 0.79% | 4.61% | 0.10% | 977 |
| Q2 2024 | $9.8M | $8.4M | $7.4M | $777K | $38K | 0.78% | 4.27% | 0.03% | 952 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $206K · commercial $0 · consumer $6.1M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 81.5% | 56th |
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.