| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -14.8% | -2.4% | -12.5 pts |
| ROA | 1.75% | 0.60% | +1.1 pts |
| ROE | 13.8% | 4.1% | +9.7 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $4.5M | $1.8M | $655K | $23K | 1.75% | 4.26% | 0.00% | 652 |
| Q4 2025 | $5.1M | $4.5M | $1.9M | $632K | $65K | 1.28% | 4.39% | 0.00% | 650 |
| Q3 2025 | $5.1M | $4.4M | $2.0M | $614K | $48K | 1.25% | 4.44% | 0.00% | 653 |
| Q2 2025 | $5.2M | $4.6M | $2.0M | $610K | $43K | 1.66% | 4.26% | 0.00% | 642 |
| Q1 2025 | $5.2M | $4.6M | $2.1M | $586K | $20K | 1.51% | 4.19% | 0.00% | 633 |
| Q4 2024 | $5.0M | $4.4M | $2.1M | $567K | $68K | 1.38% | 3.87% | 0.00% | 635 |
| Q3 2024 | $5.1M | $4.5M | $2.0M | $548K | $50K | 1.30% | 3.63% | 0.26% | 636 |
| Q2 2024 | $5.0M | $4.4M | $1.9M | $529K | $31K | 1.23% | 3.57% | 0.00% | 626 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 81.5% | 11th |
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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