| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $4.1M | $2.7M | $314K | $3K | 0.23% | 4.19% | 1.34% | 662 |
| Q4 2025 | $4.4M | $4.1M | $2.7M | $311K | $-109K | -2.50% | 4.40% | 0.10% | 668 |
| Q3 2025 | $4.6M | $4.1M | $2.7M | $434K | $13K | 0.39% | 4.03% | 0.00% | 675 |
| Q2 2025 | $4.6M | $4.2M | $2.7M | $436K | $16K | 0.68% | 3.88% | 0.02% | 683 |
| Q1 2025 | $4.7M | $4.3M | $2.8M | $424K | $4K | 0.31% | 3.43% | 0.00% | 696 |
| Q4 2024 | $4.7M | $4.3M | $2.6M | $420K | $1K | 0.03% | 4.02% | 0.00% | 697 |
| Q3 2024 | $4.3M | $4.0M | $2.8M | $420K | $729 | 0.02% | 4.40% | 2.12% | 696 |
| Q2 2024 | $4.6M | $4.2M | $2.9M | $416K | $-3K | -0.13% | 4.19% | 1.93% | 691 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $401K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 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% |
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