| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.3M | $7.3M | $5.9M | $904K | $3K | 0.13% | 3.09% | 5.44% | 1,064 |
| Q4 2025 | $8.2M | $7.2M | $6.2M | $901K | $-2K | -0.03% | 2.98% | 5.43% | 1,072 |
| Q3 2025 | $8.1M | $7.1M | $6.3M | $898K | $-6K | -0.10% | 2.99% | 5.95% | 1,071 |
| Q2 2025 | $8.1M | $7.1M | $5.9M | $897K | $-7K | -0.17% | 3.15% | 5.61% | 1,064 |
| Q1 2025 | $8.1M | $7.1M | $5.7M | $888K | $-16K | -0.79% | 3.00% | 5.25% | 1,068 |
| Q4 2024 | $7.9M | $6.9M | $5.9M | $904K | $-3K | -0.04% | 3.51% | 5.29% | 1,079 |
| Q3 2024 | $7.9M | $6.9M | $6.0M | $925K | $18K | 0.31% | 3.55% | 5.97% | 1,079 |
| Q2 2024 | $7.7M | $6.7M | $6.1M | $919K | $12K | 0.32% | 3.68% | 4.20% | 1,071 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 81.5% | 81th |
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% |
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