| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.2% | +1.3% | -18.5 pts |
| Share growth (YoY) | -24.6% | +0.7% | -25.3 pts |
| Loan growth (YoY) | +18.6% | -2.4% | +21.0 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $451K | $304K | $160K | $146K | $1K | 1.22% | 5.07% | 2.10% | 117 |
| Q4 2025 | $510K | $365K | $181K | $145K | $10K | 2.00% | 5.05% | 0.00% | 116 |
| Q3 2025 | $547K | $400K | $158K | $141K | $7K | 1.73% | 4.51% | 0.00% | 113 |
| Q2 2025 | $551K | $407K | $166K | $138K | $4K | 1.44% | 4.43% | 0.00% | 112 |
| Q1 2025 | $545K | $403K | $135K | $137K | $2K | 1.63% | 4.57% | 7.91% | 111 |
| Q4 2024 | $503K | $362K | $169K | $136K | $16K | 3.15% | 5.71% | 6.33% | 107 |
| Q3 2024 | $550K | $412K | $181K | $135K | $11K | 2.72% | 5.71% | 8.97% | 114 |
| Q2 2024 | $541K | $408K | $187K | $131K | $14K | 5.31% | 5.87% | 5.70% | 117 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $160K · securities $5K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 81.5% | 37th |
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.