| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.1 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $4.9M | $2.7M | $862K | $7K | 0.52% | 4.35% | 0.30% | 681 |
| Q4 2025 | $5.6M | $4.7M | $2.6M | $855K | $14K | 0.26% | 4.81% | 0.04% | 681 |
| Q3 2025 | $5.6M | $4.7M | $2.7M | $855K | $15K | 0.35% | 4.94% | 0.00% | 695 |
| Q2 2025 | $5.9M | $5.1M | $2.8M | $851K | $10K | 0.35% | 4.62% | 0.00% | 698 |
| Q1 2025 | $6.0M | $5.2M | $2.7M | $847K | $7K | 0.46% | 4.46% | 0.00% | 684 |
| Q4 2024 | $5.8M | $5.0M | $2.5M | $840K | $21K | 0.36% | 4.43% | 0.00% | 699 |
| Q3 2024 | $5.7M | $4.8M | $2.7M | $864K | $44K | 1.04% | 4.50% | 0.00% | 700 |
| Q2 2024 | $5.7M | $4.8M | $2.8M | $820K | $28K | 0.98% | 4.42% | 0.00% | 696 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $1.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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.