| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | 0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | 0.0% | -2.4% | +2.4 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $2.1M | $1.4M | $247K | $823 | 0.14% | 1.40% | 1.06% | 405 |
| Q4 2025 | $2.2M | $2.0M | $1.4M | $247K | $6K | 0.25% | 1.62% | 0.87% | 403 |
| Q3 2025 | $2.2M | $1.9M | $1.4M | $255K | $9K | 0.53% | 1.90% | 2.42% | 403 |
| Q2 2025 | $2.2M | $2.0M | $1.3M | $210K | $-48K | -4.29% | 1.50% | 10.39% | 381 |
| Q1 2025 | $2.3M | $2.1M | $1.4M | $247K | $823 | 0.14% | 1.40% | 1.06% | 405 |
| Q4 2024 | $2.2M | $2.0M | $1.4M | $247K | $6K | 0.25% | 1.62% | 0.87% | 403 |
| Q3 2024 | $2.2M | $1.9M | $1.4M | $255K | $9K | 0.53% | 1.90% | 2.42% | 403 |
| Q2 2024 | $2.3M | $2.0M | $1.5M | $250K | $3K | 0.28% | 1.57% | 3.14% | 401 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $6K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 81.5% | 69th |
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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