| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | +10.8% | -2.4% | +13.2 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $848K | $1.1M | $933K | $5K | 1.22% | 6.06% | 0.00% | 380 |
| Q4 2025 | $1.8M | $815K | $1.1M | $927K | $18K | 1.00% | 5.90% | 0.00% | 385 |
| Q3 2025 | $1.8M | $817K | $958K | $921K | $12K | 0.88% | 5.92% | 0.62% | 387 |
| Q2 2025 | $1.8M | $836K | $985K | $919K | $9K | 1.01% | 5.93% | 3.54% | 383 |
| Q1 2025 | $1.8M | $893K | $983K | $915K | $6K | 1.26% | 6.02% | 3.38% | 382 |
| Q4 2024 | $1.8M | $869K | $1.0M | $910K | $23K | 1.28% | 5.59% | 3.58% | 391 |
| Q3 2024 | $1.8M | $862K | $1.0M | $902K | $16K | 1.19% | 5.68% | 3.63% | 388 |
| Q2 2024 | $1.8M | $845K | $1.1M | $898K | $11K | 1.27% | 5.69% | 3.44% | 389 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $853K · securities $531K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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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