| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -5.3% | +0.7% | -5.9 pts |
| Loan growth (YoY) | -23.5% | -2.4% | -21.1 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.1M | $557K | $254K | $896 | 0.27% | 4.72% | 0.43% | 258 |
| Q4 2025 | $1.3M | $1.0M | $627K | $251K | $4K | 0.29% | 4.76% | 3.18% | 330 |
| Q3 2025 | $1.3M | $1.1M | $700K | $251K | $-2K | -0.19% | 4.65% | 0.00% | 255 |
| Q2 2025 | $1.4M | $1.1M | $660K | $252K | $2K | 0.32% | 4.69% | 4.22% | 263 |
| Q1 2025 | $1.4M | $1.1M | $728K | $251K | $-2K | -0.65% | 4.76% | 0.04% | 266 |
| Q4 2024 | $1.3M | $1.1M | $781K | $253K | $6K | 0.44% | 4.88% | 1.50% | 267 |
| Q3 2024 | $1.4M | $1.1M | $878K | $253K | $6K | 0.57% | 4.86% | 1.75% | 272 |
| Q2 2024 | $1.4M | $1.1M | $952K | $251K | $4K | 0.58% | 5.04% | 1.64% | 272 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $513K · securities $402K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.6% | 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.