| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.3% | +1.3% | -11.6 pts |
| Share growth (YoY) | 0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $165K | $115 | $0 | $165K | $398 | 0.97% | 1.13% | — | 16 |
| Q4 2025 | $165K | $115 | $0 | $164K | $4K | 2.48% | 4.11% | — | 16 |
| Q3 2025 | $177K | $115 | $0 | $164K | $4K | 2.82% | 3.77% | — | 16 |
| Q2 2025 | $234K | $115 | $0 | $162K | $2K | 1.30% | 1.70% | — | 16 |
| Q1 2025 | $184K | $115 | $0 | $161K | $652 | 1.42% | 2.01% | — | 16 |
| Q4 2024 | $160K | $115 | $0 | $160K | $2K | 1.40% | 2.86% | — | 16 |
| Q3 2024 | $170K | $115 | $0 | $161K | $3K | 2.11% | 3.18% | — | 16 |
| Q2 2024 | $267K | $115 | $0 | $160K | $2K | 1.19% | 1.68% | — | 16 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 14.4% | 81.5% | 0th |
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.