| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.0 pts |
| Loan growth (YoY) | +3.7% | -2.4% | +6.0 pts |
| ROA | -0.14% | 0.60% | -0.7 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $6.0M | $1.8M | $508K | $-2K | -0.14% | 4.05% | 2.11% | 985 |
| Q4 2025 | $6.8M | $6.2M | $1.8M | $510K | $30K | 0.45% | 3.71% | 3.39% | 999 |
| Q3 2025 | $6.2M | $5.6M | $1.8M | $503K | $23K | 0.49% | 3.94% | 0.43% | 1,015 |
| Q2 2025 | $6.5M | $5.9M | $1.8M | $494K | $14K | 0.43% | 3.58% | 8.02% | 1,025 |
| Q1 2025 | $6.3M | $5.7M | $1.8M | $484K | $4K | 0.26% | 3.57% | 5.48% | 1,034 |
| Q4 2024 | $5.9M | $5.4M | $1.7M | $518K | $-19K | -0.32% | 3.71% | 8.80% | 1,039 |
| Q3 2024 | $6.0M | $5.4M | $1.8M | $512K | $-25K | -0.55% | 3.68% | 3.34% | 1,120 |
| Q2 2024 | $6.0M | $5.5M | $1.8M | $511K | $-26K | -0.87% | 3.62% | 7.42% | 1,133 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 0.60% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 81.5% | 65th |
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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