| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -5.6% | +0.7% | -6.3 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $2.4M | $2.6M | $791K | $3K | 0.36% | 5.10% | 2.61% | 508 |
| Q4 2025 | $3.1M | $2.3M | $2.7M | $788K | $-2K | -0.06% | 5.20% | 3.96% | 514 |
| Q3 2025 | $3.3M | $2.4M | $2.9M | $771K | $-18K | -0.74% | 4.79% | 6.20% | 516 |
| Q2 2025 | $3.4M | $2.5M | $2.7M | $792K | $3K | 0.17% | 4.81% | 7.57% | 517 |
| Q1 2025 | $3.3M | $2.5M | $2.7M | $787K | $-2K | -0.28% | 4.59% | 9.59% | 523 |
| Q4 2024 | $3.3M | $2.4M | $2.6M | $790K | $3K | 0.08% | 4.83% | 8.14% | 529 |
| Q3 2024 | $3.4M | $2.5M | $2.7M | $797K | $10K | 0.41% | 4.80% | 3.04% | 525 |
| Q2 2024 | $3.4M | $2.6M | $2.6M | $791K | $4K | 0.25% | 4.56% | 3.81% | 522 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
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 $2.2M · securities $151K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 81.5% | 80th |
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.