| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.7M | $2.1M | $382K | $5K | 0.67% | 4.30% | 0.00% | 379 |
| Q4 2025 | $3.1M | $2.7M | $2.1M | $377K | $16K | 0.53% | 4.45% | 0.00% | 380 |
| Q3 2025 | $3.1M | $2.6M | $2.2M | $372K | $11K | 0.47% | 4.49% | 0.00% | 381 |
| Q2 2025 | $3.1M | $2.7M | $2.3M | $358K | $-2K | -0.14% | 4.48% | 0.14% | 380 |
| Q1 2025 | $3.1M | $2.7M | $2.2M | $367K | $8K | 1.03% | 4.43% | 0.00% | 378 |
| Q4 2024 | $3.1M | $2.8M | $2.3M | $360K | $23K | 0.74% | 4.12% | 0.00% | 395 |
| Q3 2024 | $3.1M | $2.7M | $2.3M | $356K | $12K | 0.53% | 4.10% | 0.00% | 398 |
| Q2 2024 | $3.1M | $2.7M | $2.2M | $349K | $6K | 0.41% | 4.06% | 0.00% | 397 |
Loan mix (Q1 2026): real estate $164K · commercial $0 · consumer $1.9M · securities $768K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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.