| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.5M | $35.6M | $22.8M | $2.9M | $25K | 0.26% | 2.82% | 0.35% | 5,526 |
| Q4 2025 | $38.1M | $35.2M | $23.5M | $2.8M | $-1.5M | -3.98% | 2.90% | 0.35% | 5,526 |
| Q3 2025 | $37.7M | $34.8M | $23.9M | $2.9M | $-1.4M | -5.12% | 2.94% | 0.36% | 5,526 |
| Q2 2025 | $38.9M | $34.5M | $24.1M | $4.4M | $52K | 0.27% | 2.84% | 0.39% | 5,526 |
| Q1 2025 | $39.1M | $34.7M | $24.2M | $4.4M | $25K | 0.25% | 2.81% | 0.37% | 5,528 |
| Q4 2024 | $39.0M | $34.6M | $24.5M | $4.4M | $113K | 0.29% | 2.89% | 0.43% | 5,528 |
| Q3 2024 | $39.7M | $35.1M | $24.9M | $4.3M | $89K | 0.30% | 2.85% | 0.17% | 5,528 |
| Q2 2024 | $40.2M | $35.6M | $24.9M | $4.3M | $57K | 0.28% | 2.82% | 0.34% |
| Ratio | Gsa Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,516 |
Loan mix (Q1 2026): real estate $10.8M · commercial $0 · consumer $12.0M · securities $10.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 70th |
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 | Gsa Federal Credit Union | 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 | Gsa Federal Credit Union | 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 | Gsa Federal Credit Union | 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 | Gsa Federal Credit Union | 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.