| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.2 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -2.9 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.3M | $6.5M | $1.7M | $778K | $7K | 0.41% | 3.80% | 6.22% | 533 |
| Q4 2025 | $7.3M | $6.5M | $1.7M | $770K | $28K | 0.38% | 3.78% | 4.96% | 541 |
| Q3 2025 | $7.3M | $6.5M | $1.8M | $769K | $23K | 0.42% | 3.77% | 2.29% | 557 |
| Q2 2025 | $6.9M | $6.0M | $1.9M | $755K | $13K | 0.37% | 3.82% | 1.88% | 557 |
| Q1 2025 | $6.9M | $6.1M | $1.8M | $744K | $2K | 0.13% | 3.91% | 2.11% | 551 |
| Q4 2024 | $6.8M | $6.0M | $1.8M | $742K | $17K | 0.25% | 3.62% | 1.25% | 550 |
| Q3 2024 | $6.5M | $5.7M | $1.8M | $736K | $11K | 0.23% | 4.17% | 0.19% | 556 |
| Q2 2024 | $6.4M | $5.6M | $1.9M | $732K | $7K | 0.22% | 3.77% | 0.61% | 576 |
Loan mix (Q1 2026): real estate $533 · commercial $0 · consumer $1.6M · securities $2.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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.