| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.0 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $7.4M | $5.0M | $572K | $3K | 0.17% | 3.83% | 1.71% | 650 |
| Q4 2025 | $8.6M | $7.9M | $5.1M | $569K | $-95K | -1.11% | 2.64% | 2.52% | 653 |
| Q3 2025 | $8.3M | $7.6M | $5.3M | $605K | $-62K | -0.99% | 2.41% | 3.55% | 661 |
| Q2 2025 | $8.5M | $7.7M | $5.3M | $610K | $-54K | -1.28% | 2.21% | 0.27% | 649 |
| Q1 2025 | $8.4M | $7.7M | $5.3M | $635K | $-29K | -1.38% | 2.00% | 0.13% | 656 |
| Q4 2024 | $8.1M | $7.3M | $5.4M | $664K | $-74K | -0.92% | 2.89% | 0.01% | 652 |
| Q3 2024 | $8.0M | $7.2M | $5.6M | $667K | $-71K | -1.19% | 2.86% | 0.02% | 654 |
| Q2 2024 | $7.2M | $6.4M | $5.6M | $674K | $-61K | -1.71% | 3.07% | 0.20% | 646 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $587K · commercial $0 · consumer $3.7M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 81.5% | 81th |
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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