| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -10.6% | -2.4% | -8.3 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $2.9M | $1.8M | $342K | $5K | 0.68% | 4.82% | 6.14% | 1,369 |
| Q4 2025 | $3.1M | $2.8M | $2.0M | $336K | $7K | 0.24% | 6.10% | 1.94% | 1,369 |
| Q3 2025 | $3.1M | $2.8M | $2.1M | $349K | $15K | 0.66% | 6.18% | 2.25% | 1,369 |
| Q2 2025 | $3.3M | $2.9M | $2.0M | $334K | $384 | 0.02% | 5.93% | 2.08% | 1,370 |
| Q1 2025 | $3.2M | $2.8M | $2.0M | $337K | $4K | 0.48% | 6.60% | 2.51% | 1,363 |
| Q4 2024 | $3.2M | $2.8M | $2.1M | $333K | $7K | 0.22% | 6.18% | 8.92% | 1,369 |
| Q3 2024 | $3.2M | $2.9M | $2.1M | $367K | $41K | 1.67% | 6.33% | 6.95% | 1,363 |
| Q2 2024 | $3.3M | $3.0M | $2.0M | $348K | $22K | 1.31% | 5.65% | 7.22% | 1,350 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $499K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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.