| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -35.5% | -2.4% | -33.2 pts |
| ROA | 1.27% | 0.60% | +0.7 pts |
| ROE | 16.2% | 4.1% | +12.1 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $340K | $314K | $51K | $27K | $1K | 1.27% | 3.03% | 80.58% | 214 |
| Q4 2025 | $344K | $318K | $55K | $26K | $642 | 0.19% | 2.73% | 1.97% | 155 |
| Q3 2025 | $345K | $319K | $62K | $26K | $627 | 0.24% | 2.78% | 0.98% | 215 |
| Q2 2025 | $355K | $328K | $66K | $26K | $842 | 0.47% | 2.91% | 0.00% | 155 |
| Q1 2025 | $348K | $322K | $79K | $26K | $421 | 0.48% | 3.01% | 0.00% | 155 |
| Q4 2024 | $355K | $329K | $47K | $26K | $3K | 0.76% | 3.06% | 0.00% | 206 |
| Q3 2024 | $321K | $295K | $33K | $26K | $3K | 1.20% | 3.70% | 0.63% | 223 |
| Q2 2024 | $314K | $290K | $27K | $25K | $2K | 1.17% | 3.68% | 0.79% | 212 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9K · securities $225K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 81.5% | 11th |
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.