| Metric | Hello Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +3.9% | -5.7 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.3 pts |
| ROA | 0.34% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $159.3M | $134.4M | $100.8M | $22.8M | $135K | 0.34% | 3.94% | 0.45% | 10,738 |
| Q4 2025 | $157.4M | $132.1M | $101.9M | $22.6M | $1.1M | 0.68% | 4.01% | 0.58% | 10,785 |
| Q3 2025 | $158.6M | $133.2M | $104.4M | $22.6M | $716K | 0.60% | 3.93% | 0.46% | 11,126 |
| Q2 2025 | $160.2M | $134.7M | $106.7M | $22.3M | $407K | 0.51% | 3.82% | 0.84% | 11,196 |
| Q1 2025 | $162.2M | $136.7M | $106.5M | $22.0M | $130K | 0.32% | 3.70% | 0.90% | 11,356 |
| Q4 2024 | $163.3M | $138.1M | $108.8M | $21.9M | $664K | 0.41% | 3.64% | 1.03% | 11,515 |
| Q3 2024 | $164.9M | $140.0M | $109.4M | $22.0M | $460K | 0.37% | 3.60% | 1.21% | 11,621 |
| Q2 2024 | $167.7M | $142.8M | $111.2M | $21.8M | $325K | 0.39% | 3.53% |
| Ratio | Hello Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 11,715 |
Loan mix (Q1 2026): real estate $7.8M · commercial $32.6M · consumer $53.5M · securities $29.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 78.7% | 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 | Hello 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 | Hello 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 | Hello 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 | Hello 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.