| Metric | Guardian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -0.9% | +3.3% | -4.2 pts |
| Loan growth (YoY) | -7.5% | +2.9% | -10.4 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 4.5% | 5.9% | -1.5 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $291.2M | $257.3M | $159.2M | $31.1M | $349K | 0.48% | 3.86% | 0.43% | 25,140 |
| Q4 2025 | $285.8M | $252.2M | $167.2M | $30.8M | $1.6M | 0.56% | 3.98% | 0.51% | 25,427 |
| Q3 2025 | $289.7M | $255.8M | $168.4M | $30.8M | $1.4M | 0.66% | 3.88% | 0.37% | 25,735 |
| Q2 2025 | $291.8M | $258.1M | $170.4M | $30.4M | $1.0M | 0.69% | 3.79% | 0.43% | 25,992 |
| Q1 2025 | $292.9M | $259.6M | $172.0M | $29.9M | $549K | 0.75% | 3.73% | 0.44% | 26,176 |
| Q4 2024 | $285.1M | $252.8M | $177.2M | $29.4M | $1.5M | 0.53% | 3.84% | 0.41% | 26,409 |
| Q3 2024 | $293.4M | $261.1M | $179.8M | $29.2M | $1.1M | 0.51% | 3.67% | 0.36% | 26,756 |
| Q2 2024 | $298.6M | $265.8M | $182.8M | $28.7M | $621K | 0.42% | 3.50% |
| Ratio | Guardian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 27,077 |
Loan mix (Q1 2026): real estate $42.6M · commercial $205K · consumer $81.8M · securities $80.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 78.7% | 75th |
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 | Guardian 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 | Guardian 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 | Guardian 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 | Guardian 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% |
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