| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.6% | +1.3% | -16.9 pts |
| Share growth (YoY) | -19.7% | +0.7% | -20.3 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.3 pts |
| ROA | 10.13% | 0.60% | +9.5 pts |
| ROE | 119.1% | 4.1% | +115.0 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $2.8M | $2.0M | $269K | $80K | 10.13% | 6.47% | 0.70% | 498 |
| Q4 2025 | $3.5M | $3.3M | $2.1M | $189K | $-109K | -3.13% | 5.72% | 0.01% | 541 |
| Q3 2025 | $3.7M | $3.4M | $2.2M | $283K | $-14K | -0.51% | 5.34% | 0.23% | 541 |
| Q2 2025 | $3.8M | $3.5M | $2.3M | $285K | $-12K | -0.66% | 5.07% | 0.20% | 536 |
| Q1 2025 | $3.7M | $3.4M | $2.3M | $293K | $-5K | -0.50% | 5.04% | 0.68% | 538 |
| Q4 2024 | $3.6M | $3.3M | $2.3M | $298K | $32K | 0.90% | 4.92% | 0.74% | 543 |
| Q3 2024 | $4.1M | $3.7M | $2.3M | $286K | $21K | 0.69% | 4.22% | 1.63% | 548 |
| Q2 2024 | $3.6M | $3.2M | $2.4M | $279K | $14K | 0.77% | 4.72% | 0.40% | 552 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 10.13% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 119.1% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $901K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 81.5% | 50th |
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.