| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | +5.9% | -2.4% | +8.3 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.1M | $2.8M | $2.1M | $1.1M | $2K | 0.20% | 3.70% | 1.11% | 706 |
| Q4 2025 | $3.9M | $2.8M | $2.2M | $1.1M | $-39K | -1.00% | 4.02% | 0.57% | 711 |
| Q3 2025 | $4.0M | $2.9M | $2.2M | $1.1M | $-21K | -0.71% | 3.94% | 0.80% | 681 |
| Q2 2025 | $4.0M | $2.9M | $2.0M | $1.1M | $-18K | -0.87% | 3.84% | 0.87% | 685 |
| Q1 2025 | $4.0M | $2.9M | $2.0M | $1.1M | $-15K | -1.52% | 3.75% | 1.10% | 709 |
| Q4 2024 | $4.1M | $3.0M | $1.8M | $1.2M | $-8K | -0.20% | 4.11% | 1.47% | 708 |
| Q3 2024 | $4.4M | $3.2M | $1.7M | $1.2M | $-4K | -0.13% | 3.88% | 1.56% | 706 |
| Q2 2024 | $4.4M | $3.3M | $1.6M | $1.2M | $-1K | -0.05% | 3.75% | 1.34% | 709 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 78th |
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.