| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.6% | +0.7% | -10.3 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.2 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $1.1M | $858K | $143K | $904 | 0.29% | 4.74% | 0.00% | 486 |
| Q4 2025 | $1.2M | $1.1M | $878K | $142K | $6K | 0.46% | 4.91% | 0.00% | 480 |
| Q3 2025 | $1.3M | $1.2M | $876K | $143K | $6K | 0.64% | 4.59% | 0.00% | 484 |
| Q2 2025 | $1.3M | $1.2M | $842K | $141K | $5K | 0.71% | 4.35% | 0.00% | 482 |
| Q1 2025 | $1.4M | $1.2M | $850K | $137K | $491 | 0.15% | 3.56% | 0.00% | 495 |
| Q4 2024 | $1.4M | $1.3M | $879K | $137K | $8K | 0.54% | 4.24% | 0.27% | 489 |
| Q3 2024 | $1.4M | $1.3M | $931K | $135K | $9K | 0.84% | 4.20% | 0.06% | 500 |
| Q2 2024 | $1.4M | $1.3M | $872K | $132K | $3K | 0.49% | 4.23% | 0.00% | 492 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $858K · securities $2K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 81.5% | 77th |
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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