| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.1 pts |
| Loan growth (YoY) | -17.9% | -2.4% | -15.6 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.2M | $7.0M | $2.2M | $1.2M | $5K | 0.23% | 2.67% | 0.11% | 744 |
| Q4 2025 | $8.3M | $7.1M | $2.3M | $1.2M | $27K | 0.33% | 2.95% | 0.08% | 755 |
| Q3 2025 | $8.3M | $7.2M | $2.4M | $1.2M | $29K | 0.46% | 2.99% | 0.10% | 757 |
| Q2 2025 | $8.5M | $7.3M | $2.6M | $1.2M | $20K | 0.46% | 2.98% | 0.00% | 764 |
| Q1 2025 | $8.4M | $7.2M | $2.7M | $1.1M | $14K | 0.65% | 3.28% | 1.43% | 769 |
| Q4 2024 | $8.2M | $7.1M | $3.0M | $1.1M | $76K | 0.92% | 3.44% | 3.52% | 774 |
| Q3 2024 | $8.3M | $7.2M | $3.2M | $1.1M | $63K | 1.02% | 3.48% | 0.54% | 772 |
| Q2 2024 | $8.4M | $7.3M | $3.5M | $1.1M | $42K | 0.99% | 3.40% | 0.01% | 787 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $2.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 81.5% | 72th |
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.