| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.4 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.5 pts |
| ROA | -0.96% | 0.60% | -1.6 pts |
| ROE | -8.4% | 4.1% | -12.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.1M | $4.6M | $2.9M | $588K | $-12K | -0.96% | 5.08% | 2.11% | 1,167 |
| Q4 2025 | $5.2M | $4.5M | $2.7M | $600K | $202K | 3.93% | 5.56% | 2.53% | 1,202 |
| Q3 2025 | $5.4M | $4.8M | $2.6M | $620K | $223K | 5.49% | 5.15% | 1.90% | 1,238 |
| Q2 2025 | $5.4M | $4.7M | $2.7M | $449K | $52K | 1.91% | 4.90% | 4.93% | 1,245 |
| Q1 2025 | $5.0M | $4.5M | $2.8M | $476K | $82K | 6.52% | 4.85% | 3.49% | 1,256 |
| Q4 2024 | $4.8M | $4.4M | $2.9M | $398K | $4K | 0.08% | 6.05% | 5.77% | 1,233 |
| Q3 2024 | $4.7M | $4.3M | $3.1M | $402K | $8K | 0.23% | 6.27% | 2.46% | 1,265 |
| Q2 2024 | $4.7M | $4.3M | $3.2M | $377K | $-17K | -0.72% | 6.36% | 0.18% | 1,254 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.96% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -8.4% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $828K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.7% | 81.5% | 88th |
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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