| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.8% | +1.3% | -10.1 pts |
| Share growth (YoY) | -11.5% | +0.7% | -12.2 pts |
| Loan growth (YoY) | +41.6% | -2.4% | +44.0 pts |
| ROA | 0.49% | 0.60% | -0.1 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $465K | $378K | $399K | $87K | $566 | 0.49% | 0.99% | 0.00% | 125 |
| Q4 2025 | $463K | $376K | $355K | $87K | $7K | 1.55% | 2.56% | 0.00% | 125 |
| Q3 2025 | $514K | $428K | $349K | $85K | $6K | 1.49% | 2.54% | 0.00% | 125 |
| Q2 2025 | $502K | $418K | $346K | $84K | $4K | 1.67% | 3.04% | 0.00% | 125 |
| Q1 2025 | $510K | $427K | $282K | $83K | $4K | 2.78% | 4.79% | 0.00% | 125 |
| Q4 2024 | $510K | $428K | $345K | $82K | $5K | 0.97% | 1.56% | 0.00% | 125 |
| Q3 2024 | $505K | $424K | $376K | $81K | $4K | 0.97% | 1.57% | 0.00% | 125 |
| Q2 2024 | $502K | $424K | $338K | $78K | $1K | 0.48% | 1.52% | 0.00% | 125 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $297K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 81.5% | 5th |
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.