| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 3.3% | 4.1% | -0.9 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 | $10.0M | $7.4M | $4.7M | $2.6M | $21K | 0.84% | 3.73% | 7.55% | 804 |
| Q4 2025 | $9.6M | $7.1M | $4.8M | $2.6M | $59K | 0.61% | 4.05% | 5.77% | 804 |
| Q3 2025 | $9.6M | $7.0M | $5.0M | $2.6M | $94K | 1.29% | 4.11% | 6.09% | 805 |
| Q2 2025 | $9.4M | $6.8M | $5.2M | $2.6M | $58K | 1.24% | 4.19% | 7.30% | 803 |
| Q1 2025 | $9.8M | $7.2M | $5.2M | $2.5M | $24K | 0.97% | 4.00% | 7.49% | 796 |
| Q4 2024 | $9.7M | $7.2M | $5.6M | $2.5M | $166K | 1.71% | 4.51% | 5.84% | 787 |
| Q3 2024 | $9.1M | $6.6M | $5.9M | $2.5M | $133K | 1.96% | 4.97% | 5.63% | 782 |
| Q2 2024 | $9.0M | $6.6M | $6.3M | $2.4M | $63K | 1.40% | 4.97% | 6.75% | 772 |
| 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 | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 81.5% | 34th |
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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