| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +1.3% | -8.9 pts |
| Share growth (YoY) | -8.3% | +0.7% | -9.0 pts |
| Loan growth (YoY) | -45.5% | -2.4% | -43.1 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.5M | $2.7M | $417K | $783K | $8K | 0.90% | 1.23% | 1.72% | 402 |
| Q4 2025 | $3.5M | $2.7M | $444K | $775K | $-60K | -1.71% | 1.70% | 1.26% | 419 |
| Q3 2025 | $3.7M | $2.9M | $644K | $793K | $-42K | -1.53% | 1.75% | 2.07% | 437 |
| Q2 2025 | $3.8M | $3.0M | $721K | $808K | $-27K | -1.43% | 1.78% | 2.28% | 447 |
| Q1 2025 | $3.8M | $3.0M | $765K | $824K | $-11K | -1.20% | 1.78% | 2.27% | 464 |
| Q4 2024 | $3.9M | $3.0M | $814K | $835K | $-62K | -1.61% | 1.59% | 3.53% | 482 |
| Q3 2024 | $4.3M | $3.4M | $905K | $888K | $-9K | -0.29% | 1.43% | 8.49% | 500 |
| Q2 2024 | $4.5M | $3.6M | $1.0M | $902K | $4K | 0.17% | 1.40% | 2.57% | 527 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $219K · commercial $0 · consumer $115K · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 266.0% | 81.5% | 99th |
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.