| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -2.0 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.5 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.4M | $2.6M | $2.0M | $803K | $4K | 0.48% | 4.43% | 0.00% | 940 |
| Q4 2025 | $3.4M | $2.6M | $2.2M | $799K | $3K | 0.07% | 4.00% | 0.76% | 934 |
| Q3 2025 | $3.4M | $2.5M | $2.3M | $815K | $18K | 0.73% | 4.39% | 0.00% | 935 |
| Q2 2025 | $3.4M | $2.6M | $2.2M | $814K | $17K | 1.01% | 4.36% | 0.95% | 915 |
| Q1 2025 | $3.4M | $2.6M | $2.0M | $803K | $7K | 0.79% | 4.30% | 1.10% | 919 |
| Q4 2024 | $3.4M | $2.6M | $2.0M | $796K | $72K | 2.12% | 5.00% | 1.07% | 928 |
| Q3 2024 | $3.4M | $2.6M | $2.1M | $821K | $81K | 3.19% | 5.45% | 1.06% | 932 |
| Q2 2024 | $3.5M | $2.6M | $2.2M | $829K | $43K | 2.52% | 3.94% | 1.02% | 921 |
Loan mix (Q1 2026): real estate $263K · commercial $0 · consumer $1.8M · securities $850K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 81.5% | 67th |
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.