| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.7% | +1.3% | -15.0 pts |
| Share growth (YoY) | -17.8% | +0.7% | -18.4 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.0 pts |
| ROA | 1.92% | 0.60% | +1.3 pts |
| ROE | 11.9% | 4.1% | +7.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $3.3M | $2.4M | $639K | $19K | 1.92% | 4.55% | 0.00% | 678 |
| Q4 2025 | $3.9M | $3.3M | $2.6M | $620K | $86K | 2.18% | 4.79% | 0.00% | 686 |
| Q3 2025 | $4.3M | $3.7M | $2.6M | $599K | $65K | 2.01% | 4.32% | 0.00% | 684 |
| Q2 2025 | $4.4M | $3.8M | $2.6M | $579K | $45K | 2.07% | 4.34% | 0.00% | 689 |
| Q1 2025 | $4.6M | $4.1M | $2.3M | $550K | $16K | 1.42% | 3.63% | 0.00% | 688 |
| Q4 2024 | $4.4M | $3.8M | $2.5M | $534K | $38K | 0.87% | 3.20% | 0.00% | 682 |
| Q3 2024 | $4.5M | $4.0M | $2.6M | $540K | $45K | 1.32% | 3.51% | 0.00% | 680 |
| Q2 2024 | $4.3M | $3.7M | $2.6M | $524K | $28K | 1.30% | 3.62% | 0.00% | 673 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $966K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 81.5% | 10th |
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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