| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -11.2% | -2.4% | -8.9 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.4M | $2.4M | $577K | $4K | 0.23% | 1.89% | 0.66% | 594 |
| Q4 2025 | $6.1M | $5.5M | $2.6M | $574K | $13K | 0.21% | 1.67% | 0.67% | 605 |
| Q3 2025 | $6.0M | $5.5M | $2.8M | $564K | $3K | 0.06% | 1.54% | 1.11% | 605 |
| Q2 2025 | $6.1M | $5.6M | $2.7M | $563K | $-2K | -0.08% | 1.48% | 1.95% | 600 |
| Q1 2025 | $6.1M | $5.5M | $2.7M | $562K | $740 | 0.05% | 1.38% | 1.53% | 598 |
| Q4 2024 | $5.9M | $5.3M | $2.6M | $561K | $6K | 0.09% | 1.34% | 1.93% | 602 |
| Q3 2024 | $5.7M | $5.2M | $2.6M | $562K | $5K | 0.11% | 1.40% | 1.93% | 599 |
| Q2 2024 | $5.8M | $5.3M | $2.6M | $559K | $4K | 0.14% | 1.34% | 1.78% | 594 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $2.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 81.5% | 28th |
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.