| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -7.6% | +0.7% | -8.2 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.5 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.3M | $3.1M | $1.0M | $9K | 0.84% | 6.26% | 1.14% | 640 |
| Q4 2025 | $4.6M | $3.5M | $3.0M | $1.0M | $7K | 0.14% | 5.94% | 0.37% | 647 |
| Q3 2025 | $4.5M | $3.5M | $3.1M | $1.0M | $-20K | -0.59% | 6.01% | 0.81% | 671 |
| Q2 2025 | $4.6M | $3.6M | $3.2M | $996K | $-38K | -1.66% | 6.06% | 2.29% | 678 |
| Q1 2025 | $4.5M | $3.6M | $3.3M | $973K | $-61K | -5.34% | 5.90% | 1.54% | 677 |
| Q4 2024 | $4.7M | $3.6M | $3.5M | $1.0M | $35K | 0.75% | 6.19% | 5.47% | 673 |
| Q3 2024 | $4.6M | $3.5M | $3.7M | $1.0M | $28K | 0.81% | 6.36% | 4.57% | 675 |
| Q2 2024 | $4.6M | $3.6M | $3.8M | $1.0M | $31K | 1.33% | 6.06% | 1.39% | 671 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $925K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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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