| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.3% | +0.7% | -4.0 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $3.2M | $1.9M | $2.6M | $7K | 0.47% | 3.10% | 0.00% | 557 |
| Q4 2025 | $5.8M | $3.1M | $2.0M | $2.6M | $32K | 0.55% | 3.25% | 0.00% | 578 |
| Q3 2025 | $5.9M | $3.3M | $2.2M | $2.6M | $14K | 0.32% | 3.08% | 0.00% | 572 |
| Q2 2025 | $5.9M | $3.3M | $2.1M | $2.6M | $11K | 0.38% | 2.98% | 0.00% | 564 |
| Q1 2025 | $5.9M | $3.3M | $2.0M | $2.6M | $3K | 0.20% | 2.84% | 0.00% | 603 |
| Q4 2024 | $6.0M | $3.4M | $2.0M | $2.6M | $27K | 0.44% | 2.92% | 0.00% | 619 |
| Q3 2024 | $6.2M | $3.6M | $2.0M | $2.6M | $20K | 0.42% | 2.81% | 0.20% | 611 |
| Q2 2024 | $6.3M | $3.7M | $2.0M | $2.6M | $2K | 0.05% | 1.37% | 0.00% | 594 |
Loan mix (Q1 2026): real estate $34K · commercial $0 · consumer $1.6M · securities $3.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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.