| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.3 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 5.2% | 4.1% | +1.1 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 | $1.4M | $1.2M | $835K | $142K | $2K | 0.54% | 5.72% | 9.82% | 336 |
| Q4 2025 | $1.4M | $1.3M | $851K | $140K | $-36 | -0.00% | 4.63% | 12.89% | 330 |
| Q3 2025 | $1.4M | $1.2M | $874K | $140K | $-1 | -0.00% | 4.45% | 3.24% | 336 |
| Q2 2025 | $1.4M | $1.3M | $874K | $140K | $-1 | -0.00% | 4.85% | 4.61% | 324 |
| Q1 2025 | $1.4M | $1.2M | $924K | $140K | $-2 | -0.00% | 4.74% | 9.33% | 330 |
| Q4 2024 | $1.4M | $1.2M | $897K | $140K | $-16K | -1.17% | 5.02% | 3.48% | 328 |
| Q3 2024 | $1.4M | $1.2M | $965K | $163K | $3K | 0.33% | 4.67% | 10.12% | 328 |
| Q2 2024 | $1.4M | $1.2M | $965K | $160K | $-2K | -0.24% | 4.42% | 10.13% | 327 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $820K · securities $311K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.9% | 81.5% | 2th |
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.