| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -26.0% | -2.4% | -23.7 pts |
| ROA | 2.73% | 0.60% | +2.1 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $3.7M | $2.3M | $1.3M | $36K | 2.73% | 4.55% | 1.62% | 808 |
| Q4 2025 | $6.8M | $5.4M | $2.4M | $1.3M | $198K | 2.91% | 3.74% | 1.59% | 819 |
| Q3 2025 | $6.0M | $4.6M | $2.5M | $1.2M | $131K | 2.89% | 4.13% | 1.30% | 844 |
| Q2 2025 | $5.9M | $4.4M | $2.6M | $1.2M | $99K | 3.36% | 4.31% | 2.31% | 858 |
| Q1 2025 | $5.3M | $3.8M | $3.2M | $1.1M | $47K | 3.56% | 4.55% | 0.63% | 840 |
| Q4 2024 | $4.9M | $3.8M | $3.4M | $1.1M | $117K | 2.38% | 4.91% | 0.73% | 838 |
| Q3 2024 | $4.8M | $3.7M | $3.5M | $1.1M | $110K | 3.04% | 4.98% | 0.00% | 844 |
| Q2 2024 | $4.4M | $3.4M | $3.8M | $1.0M | $56K | 2.53% | 5.44% | 0.00% | 846 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.73% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 81.5% | 26th |
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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