| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -18.0% | -2.4% | -15.7 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.2M | $3.2M | $449K | $1.1M | $14K | 1.36% | 2.15% | 0.00% | 380 |
| Q4 2025 | $4.2M | $3.2M | $493K | $1.0M | $12K | 0.28% | 1.83% | 0.00% | 387 |
| Q3 2025 | $4.2M | $3.2M | $534K | $1.0M | $1K | 0.04% | 1.88% | 0.00% | 396 |
| Q2 2025 | $4.2M | $3.2M | $568K | $1.0M | $18K | 0.83% | 1.80% | 3.49% | 405 |
| Q1 2025 | $4.3M | $3.2M | $548K | $1.0M | $11K | 1.01% | 1.83% | 3.73% | 401 |
| Q4 2024 | $4.4M | $3.3M | $524K | $1.0M | $-6K | -0.14% | 1.71% | 0.55% | 407 |
| Q3 2024 | $4.6M | $3.5M | $562K | $1.1M | $33K | 0.97% | 1.78% | 3.84% | 443 |
| Q2 2024 | $4.6M | $3.6M | $543K | $1.1M | $22K | 0.94% | 1.80% | 5.19% | 464 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $449K · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.9% | 81.5% | 2th |
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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