| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -6.9% | +0.7% | -7.6 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.0M | $4.8M | $795K | $2.2M | $15K | 0.86% | 2.51% | 0.32% | 931 |
| Q4 2025 | $7.1M | $4.9M | $813K | $2.2M | $91K | 1.28% | 2.95% | 1.64% | 939 |
| Q3 2025 | $7.2M | $5.0M | $800K | $2.2M | $49K | 0.91% | 2.57% | 1.19% | 957 |
| Q2 2025 | $7.2M | $5.0M | $787K | $2.1M | $38K | 1.04% | 2.66% | 1.15% | 966 |
| Q1 2025 | $7.3M | $5.1M | $783K | $2.1M | $13K | 0.69% | 2.26% | 1.61% | 986 |
| Q4 2024 | $7.5M | $5.4M | $824K | $2.1M | $80K | 1.07% | 2.52% | 4.95% | 1,007 |
| Q3 2024 | $7.6M | $5.5M | $863K | $2.1M | $48K | 0.84% | 2.26% | 3.95% | 1,074 |
| Q2 2024 | $7.8M | $5.6M | $854K | $2.1M | $40K | 1.02% | 2.42% | 5.15% | 1,091 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $784K · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 81.5% | 20th |
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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