| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.2% | +1.3% | -10.5 pts |
| Share growth (YoY) | -13.9% | +0.7% | -14.6 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.0 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 1.3% | 4.1% | -2.8 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 | $4.1M | $2.8M | $964K | $1.2M | $4K | 0.40% | 3.71% | 0.31% | 778 |
| Q4 2025 | $4.2M | $3.0M | $989K | $1.2M | $39K | 0.92% | 4.30% | 1.39% | 782 |
| Q3 2025 | $4.0M | $2.8M | $985K | $1.2M | $35K | 1.16% | 4.60% | 5.04% | 785 |
| Q2 2025 | $4.4M | $3.1M | $882K | $1.2M | $28K | 1.28% | 4.47% | 4.68% | 805 |
| Q1 2025 | $4.5M | $3.3M | $998K | $1.2M | $16K | 1.47% | 4.48% | 1.51% | 807 |
| Q4 2024 | $4.5M | $3.3M | $1.0M | $1.2M | $54K | 1.20% | 4.67% | 5.28% | 815 |
| Q3 2024 | $4.5M | $3.4M | $1.1M | $1.2M | $37K | 1.08% | 4.60% | 1.15% | 865 |
| Q2 2024 | $4.4M | $3.2M | $1.1M | $1.2M | $22K | 0.99% | 4.70% | 2.16% | 879 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $765K · securities $2.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 69th |
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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