| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +1.3% | +8.8 pts |
| Share growth (YoY) | +11.2% | +0.7% | +10.6 pts |
| Loan growth (YoY) | -4.6% | -2.4% | -2.3 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $8.9M | $6.0M | $1.0M | $7K | 0.26% | 3.95% | 0.00% | 958 |
| Q4 2025 | $10.0M | $8.9M | $6.1M | $1.0M | $12K | 0.12% | 3.71% | 0.00% | 955 |
| Q3 2025 | $9.9M | $8.7M | $5.9M | $1.0M | $46K | 0.63% | 4.10% | 0.00% | 953 |
| Q2 2025 | $9.2M | $8.1M | $6.1M | $1.0M | $27K | 0.59% | 4.23% | 0.00% | 956 |
| Q1 2025 | $9.1M | $8.0M | $6.3M | $1.0M | $9K | 0.41% | 4.18% | 0.00% | 956 |
| Q4 2024 | $8.8M | $7.7M | $6.2M | $1.0M | $5K | 0.06% | 3.92% | 0.00% | 949 |
| Q3 2024 | $8.8M | $7.7M | $6.3M | $1.0M | $29K | 0.44% | 4.12% | 0.08% | 945 |
| Q2 2024 | $8.8M | $7.7M | $6.4M | $1.0M | $15K | 0.35% | 3.97% | 0.00% | 942 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $2.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 77th |
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.