| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -14.9% | +0.7% | -15.6 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.0 pts |
| ROA | 2.00% | 0.60% | +1.4 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $5.9M | $1.8M | $2.2M | $40K | 2.00% | 5.10% | 2.22% | 1,020 |
| Q4 2025 | $8.0M | $5.8M | $2.1M | $2.2M | $224K | 2.81% | 5.52% | 2.39% | 1,027 |
| Q3 2025 | $8.2M | $6.1M | $2.0M | $2.1M | $172K | 2.79% | 5.28% | 0.96% | 1,032 |
| Q2 2025 | $8.3M | $6.2M | $2.0M | $2.0M | $100K | 2.43% | 5.08% | 1.01% | 1,035 |
| Q1 2025 | $8.9M | $6.9M | $2.1M | $2.0M | $41K | 1.85% | 4.40% | 1.12% | 1,040 |
| Q4 2024 | $8.7M | $6.7M | $2.3M | $1.9M | $125K | 1.44% | 4.03% | 1.11% | 1,043 |
| Q3 2024 | $8.5M | $6.6M | $2.2M | $1.9M | $70K | 1.11% | 3.80% | 1.26% | 1,041 |
| Q2 2024 | $8.5M | $6.7M | $2.3M | $1.8M | $26K | 0.60% | 3.60% | 1.59% | 1,055 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 81.5% | 9th |
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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