| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -6.5% | +0.7% | -7.1 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.0 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.1M | $1.0M | $465K | $3K | 0.73% | 7.77% | 2.51% | 500 |
| Q4 2025 | $1.5M | $1.0M | $1.1M | $462K | $6K | 0.44% | 7.99% | 2.35% | 501 |
| Q3 2025 | $1.6M | $1.1M | $1.1M | $460K | $4K | 0.36% | 7.38% | 5.41% | 496 |
| Q2 2025 | $1.6M | $1.2M | $1.2M | $458K | $2K | 0.23% | 7.22% | 1.95% | 500 |
| Q1 2025 | $1.6M | $1.1M | $1.1M | $458K | $2K | 0.46% | 7.36% | 2.36% | 505 |
| Q4 2024 | $1.6M | $1.1M | $980K | $456K | $6K | 0.41% | 8.01% | 1.88% | 503 |
| Q3 2024 | $1.6M | $1.2M | $1.1M | $456K | $6K | 0.50% | 7.78% | 4.00% | 515 |
| Q2 2024 | $1.6M | $1.2M | $1.2M | $454K | $5K | 0.58% | 7.74% | 7.90% | 600 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $9K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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% |
The full ratio pack is part of CharterBench Pro.