| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.7% | +1.3% | -17.0 pts |
| Share growth (YoY) | -17.0% | +0.7% | -17.6 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +8.0 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.1M | $957K | $545K | $89K | $888 | 0.34% | 2.89% | 0.00% | 367 |
| Q4 2025 | $987K | $888K | $583K | $89K | $3K | 0.33% | 2.84% | 0.00% | 308 |
| Q3 2025 | $1.3M | $1.2M | $606K | $88K | $51 | 0.01% | 2.16% | 0.00% | 297 |
| Q2 2025 | $1.2M | $1.1M | $583K | $82K | $-6K | -0.96% | 1.37% | 0.00% | 300 |
| Q1 2025 | $1.3M | $1.2M | $516K | $84K | $-4K | -1.20% | 1.48% | 0.00% | 301 |
| Q4 2024 | $1.2M | $1.1M | $587K | $88K | $4K | 0.33% | 3.05% | 0.00% | 304 |
| Q3 2024 | $1.1M | $1.0M | $639K | $90K | $8K | 0.89% | 3.52% | 0.00% | 357 |
| Q2 2024 | $1.1M | $985K | $661K | $87K | $4K | 0.70% | 3.51% | 0.00% | 289 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $435K · securities $120K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 81.5% | 66th |
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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