| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.6 pts |
| Share growth (YoY) | -8.7% | +0.7% | -9.4 pts |
| Loan growth (YoY) | -12.8% | -2.4% | -10.4 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $519K | $615K | $646K | $4K | 1.29% | 5.77% | 3.42% | 159 |
| Q4 2025 | $1.1M | $482K | $690K | $642K | $12K | 1.04% | 6.57% | 0.00% | 159 |
| Q3 2025 | $1.1M | $493K | $743K | $637K | $7K | 0.81% | 6.77% | 0.00% | 162 |
| Q2 2025 | $1.2M | $579K | $687K | $644K | $14K | 2.22% | 6.11% | 0.00% | 174 |
| Q1 2025 | $1.2M | $569K | $706K | $637K | $7K | 2.28% | 6.54% | 0.06% | 174 |
| Q4 2024 | $1.2M | $579K | $740K | $631K | $37K | 3.02% | 6.40% | 0.00% | 178 |
| Q3 2024 | $1.2M | $577K | $745K | $621K | $27K | 3.03% | 6.47% | 0.00% | 183 |
| Q2 2024 | $1.2M | $583K | $723K | $607K | $13K | 2.26% | 6.22% | 0.00% | 185 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $583K · securities $300K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 81.5% | 45th |
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.