| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -8.2% | +0.7% | -8.8 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $6.2M | $3.3M | $1.9M | $13K | 0.67% | 2.71% | 3.07% | 733 |
| Q4 2025 | $8.1M | $6.2M | $3.3M | $1.9M | $41K | 0.51% | 2.55% | 3.01% | 675 |
| Q3 2025 | $8.1M | $6.2M | $3.4M | $1.9M | $23K | 0.37% | 2.51% | 1.86% | 683 |
| Q2 2025 | $8.5M | $6.7M | $3.4M | $1.9M | $9K | 0.21% | 2.33% | 2.89% | 687 |
| Q1 2025 | $8.6M | $6.7M | $3.4M | $1.8M | $3K | 0.14% | 2.21% | 2.91% | 692 |
| Q4 2024 | $8.6M | $6.8M | $3.5M | $1.8M | $50K | 0.58% | 2.23% | 4.90% | 697 |
| Q3 2024 | $9.1M | $7.2M | $3.5M | $1.8M | $40K | 0.58% | 2.13% | 1.97% | 694 |
| Q2 2024 | $9.2M | $7.4M | $3.5M | $1.8M | $24K | 0.52% | 2.10% | 1.95% | 703 |
Loan mix (Q1 2026): real estate $353K · commercial $0 · consumer $2.8M · securities $3.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 81.5% | 37th |
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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