| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | -15.6% | -2.4% | -13.2 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.4M | $7.5M | $2.7M | $743K | $19K | 0.90% | 4.42% | 0.51% | 403 |
| Q4 2025 | $8.3M | $7.4M | $2.9M | $724K | $3K | 0.04% | 4.20% | 0.01% | 406 |
| Q3 2025 | $8.4M | $7.5M | $3.0M | $704K | $-16K | -0.26% | 4.17% | 0.47% | 405 |
| Q2 2025 | $7.9M | $7.0M | $3.2M | $722K | $1K | 0.03% | 4.49% | 0.46% | 403 |
| Q1 2025 | $8.3M | $7.5M | $3.3M | $729K | $8K | 0.39% | 4.31% | 2.76% | 400 |
| Q4 2024 | $8.1M | $7.2M | $3.3M | $721K | $10K | 0.12% | 3.89% | 2.78% | 393 |
| Q3 2024 | $7.9M | $7.0M | $3.3M | $718K | $7K | 0.12% | 3.99% | 3.38% | 399 |
| Q2 2024 | $8.0M | $7.2M | $3.6M | $715K | $4K | 0.10% | 3.87% | 1.95% | 403 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $4.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 81.5% | 30th |
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.