| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -35.6% | -2.4% | -33.2 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $884K | $399K | $334K | $2K | 0.77% | 2.97% | 0.00% | 129 |
| Q4 2025 | $1.3M | $893K | $452K | $330K | $-42K | -3.38% | 1.14% | 6.32% | 129 |
| Q3 2025 | $1.2M | $874K | $502K | $353K | $-20K | -2.18% | 3.29% | 5.70% | 129 |
| Q2 2025 | $1.3M | $908K | $585K | $351K | $-22K | -3.47% | 3.56% | 2.20% | 131 |
| Q1 2025 | $1.3M | $910K | $620K | $377K | $5K | 1.45% | 3.35% | 0.00% | 134 |
| Q4 2024 | $1.2M | $813K | $712K | $373K | $4K | 0.30% | 2.37% | 0.00% | 135 |
| Q3 2024 | $1.2M | $822K | $764K | $392K | $23K | 2.57% | 4.62% | 0.00% | 134 |
| Q2 2024 | $1.2M | $812K | $832K | $386K | $17K | 2.88% | 5.03% | 0.00% | 135 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $399K · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 81.5% | 41th |
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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