| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -10.3% | +0.7% | -10.9 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.9 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $1.8M | $1.3M | $657K | $3K | 0.53% | 4.28% | 0.00% | 428 |
| Q4 2025 | $2.4M | $1.7M | $1.5M | $654K | $30K | 1.27% | 4.67% | 0.00% | 431 |
| Q3 2025 | $2.5M | $1.8M | $1.4M | $645K | $21K | 1.16% | 4.47% | 0.00% | 430 |
| Q2 2025 | $2.6M | $1.9M | $1.5M | $639K | $15K | 1.16% | 4.28% | 0.00% | 437 |
| Q1 2025 | $2.6M | $2.0M | $1.5M | $629K | $5K | 0.81% | 4.12% | 0.00% | 438 |
| Q4 2024 | $2.5M | $1.9M | $1.6M | $624K | $18K | 0.69% | 2.18% | 0.00% | 450 |
| Q3 2024 | $2.7M | $2.1M | $1.6M | $616K | $16K | 0.80% | 3.72% | 0.00% | 454 |
| Q2 2024 | $2.7M | $2.1M | $1.5M | $606K | $6K | 0.45% | 3.64% | 0.00% | 460 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $572K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 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% |
The full ratio pack is part of CharterBench Pro.