| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | 0.94% | 0.60% | +0.3 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $7.0M | $7.8M | $2.8M | $23K | 0.94% | 4.23% | 2.05% | 1,105 |
| Q4 2025 | $10.2M | $7.3M | $8.0M | $2.8M | $91K | 0.89% | 3.80% | 1.07% | 1,112 |
| Q3 2025 | $10.5M | $7.7M | $7.8M | $2.8M | $78K | 0.98% | 3.70% | 0.28% | 1,115 |
| Q2 2025 | $10.3M | $7.5M | $7.5M | $2.8M | $48K | 0.92% | 3.70% | 1.55% | 1,118 |
| Q1 2025 | $10.2M | $7.4M | $7.3M | $2.7M | $24K | 0.95% | 3.84% | 0.24% | 1,123 |
| Q4 2024 | $10.1M | $7.3M | $7.3M | $2.7M | $123K | 1.22% | 4.08% | 0.65% | 1,125 |
| Q3 2024 | $10.1M | $7.3M | $7.5M | $2.7M | $100K | 1.32% | 4.25% | 0.69% | 1,125 |
| Q2 2024 | $10.2M | $7.5M | $7.8M | $2.7M | $65K | 1.27% | 4.29% | 0.36% | 1,128 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.6M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 81.5% | 40th |
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.