| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.3M | $5.2M | $1.6M | $1.1M | $12K | 0.78% | 3.89% | 1.53% | 1,040 |
| Q4 2025 | $6.4M | $5.2M | $1.6M | $1.1M | $65K | 1.02% | 3.64% | 0.52% | 1,097 |
| Q3 2025 | $6.7M | $5.6M | $1.7M | $1.1M | $80K | 1.59% | 3.83% | 0.51% | 1,094 |
| Q2 2025 | $6.5M | $5.4M | $1.6M | $1.1M | $48K | 1.50% | 4.05% | 0.00% | 1,207 |
| Q1 2025 | $6.3M | $5.2M | $1.7M | $1.1M | $33K | 2.06% | 4.29% | 1.75% | 1,193 |
| Q4 2024 | $6.3M | $5.2M | $1.9M | $1.1M | $65K | 1.03% | 4.28% | 1.26% | 1,410 |
| Q3 2024 | $6.6M | $5.5M | $2.0M | $1.0M | $62K | 1.25% | 4.10% | 0.19% | 1,457 |
| Q2 2024 | $6.3M | $5.2M | $2.1M | $1.0M | $39K | 1.24% | 4.22% | 2.46% | 1,456 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th |
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.