| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -25.1% | -2.4% | -22.8 pts |
| ROA | 2.35% | 0.60% | +1.7 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.6M | $324K | $475K | $12K | 2.35% | 3.43% | 0.00% | 881 |
| Q4 2025 | $1.9M | $1.4M | $366K | $463K | $59K | 3.13% | 4.52% | 0.00% | 876 |
| Q3 2025 | $2.1M | $1.7M | $426K | $451K | $47K | 2.91% | 4.13% | 0.00% | 862 |
| Q2 2025 | $2.1M | $1.6M | $458K | $431K | $27K | 2.64% | 3.79% | 0.00% | 858 |
| Q1 2025 | $2.1M | $1.7M | $432K | $413K | $9K | 1.77% | 3.58% | 0.00% | 851 |
| Q4 2024 | $2.0M | $1.6M | $485K | $404K | $40K | 1.98% | 3.55% | 0.00% | 866 |
| Q3 2024 | $2.2M | $1.8M | $541K | $396K | $31K | 1.88% | 3.14% | 0.00% | 874 |
| Q2 2024 | $2.1M | $1.7M | $608K | $384K | $19K | 1.88% | 3.24% | 0.00% | 866 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $324K · securities $850K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.6% | 81.5% | 1th |
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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