| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -6.5% | +0.7% | -7.2 pts |
| Loan growth (YoY) | +8.4% | -2.4% | +10.7 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.3M | $1.1M | $638K | $1K | 0.27% | 4.97% | 5.15% | 493 |
| Q4 2025 | $1.9M | $1.3M | $1.2M | $637K | $24K | 1.28% | 5.20% | 5.61% | 483 |
| Q3 2025 | $1.9M | $1.2M | $1.1M | $636K | $23K | 1.64% | 5.43% | 5.40% | 479 |
| Q2 2025 | $1.9M | $1.3M | $1.0M | $630K | $18K | 1.83% | 5.65% | 4.90% | 488 |
| Q1 2025 | $2.0M | $1.4M | $1.0M | $631K | $19K | 3.66% | 7.12% | 7.47% | 485 |
| Q4 2024 | $2.0M | $1.3M | $1.1M | $612K | $27K | 1.36% | 5.21% | 7.12% | 481 |
| Q3 2024 | $2.0M | $1.4M | $1.0M | $608K | $23K | 1.50% | 5.29% | 7.19% | 478 |
| Q2 2024 | $2.0M | $1.3M | $1.1M | $598K | $12K | 1.27% | 5.30% | 2.25% | 471 |
Loan mix (Q1 2026): real estate $2K · commercial $0 · consumer $1.0M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 81.5% | 79th |
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.