| Metric | Deca Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.5 pts |
| ROA | 1.75% | 0.60% | +1.1 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.4M | $6.0M | $5.2M | $1.4M | $32K | 1.75% | 3.91% | 0.00% | 1,799 |
| Q4 2025 | $7.4M | $6.0M | $5.2M | $1.4M | $120K | 1.63% | 3.95% | 0.00% | 1,792 |
| Q3 2025 | $7.3M | $6.0M | $5.3M | $1.3M | $95K | 1.74% | 3.90% | 0.00% | 1,735 |
| Q2 2025 | $7.2M | $5.9M | $5.3M | $1.3M | $62K | 1.72% | 3.89% | 0.09% | 1,696 |
| Q1 2025 | $7.1M | $5.8M | $5.1M | $1.3M | $32K | 1.79% | 3.97% | 0.47% | 1,693 |
| Q4 2024 | $6.9M | $5.7M | $4.8M | $1.2M | $83K | 1.20% | 4.06% | 0.08% | 1,691 |
| Q3 2024 | $7.0M | $5.8M | $4.6M | $1.2M | $82K | 1.56% | 3.99% | 0.00% | 1,612 |
| Q2 2024 | $7.0M | $5.7M | $4.7M | $1.2M | $54K | 1.55% | 4.07% | 1.32% | 1,598 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Deca Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 81.5% | 9th |
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 | Deca Credit Union | 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 | Deca Credit Union | 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 | Deca Credit Union | 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 | Deca Credit Union | 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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