| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +7.9% | +0.7% | +7.2 pts |
| Loan growth (YoY) | -17.5% | -2.4% | -15.1 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.0M | $3.4M | $1.7M | $1.6M | $9K | 0.70% | 3.06% | 0.09% | 475 |
| Q4 2025 | $4.8M | $3.2M | $1.8M | $1.6M | $36K | 0.74% | 3.26% | 1.00% | 473 |
| Q3 2025 | $4.8M | $3.2M | $1.9M | $1.6M | $24K | 0.66% | 3.25% | 0.19% | 475 |
| Q2 2025 | $4.8M | $3.2M | $2.0M | $1.6M | $15K | 0.64% | 3.20% | 0.21% | 468 |
| Q1 2025 | $4.7M | $3.1M | $2.0M | $1.6M | $6K | 0.52% | 3.12% | 2.83% | 474 |
| Q4 2024 | $4.7M | $3.1M | $2.1M | $1.6M | $28K | 0.60% | 3.11% | 1.86% | 462 |
| Q3 2024 | $4.9M | $3.3M | $2.2M | $1.6M | $23K | 0.61% | 2.97% | 1.72% | 462 |
| Q2 2024 | $5.1M | $3.5M | $2.2M | $1.6M | $13K | 0.50% | 2.80% | 1.86% | 460 |
Loan mix (Q1 2026): real estate $331K · commercial $0 · consumer $1.2M · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 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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