| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.7 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.5 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.9M | $5.0M | $4.0M | $851K | $7K | 0.47% | 4.00% | 3.16% | 761 |
| Q4 2025 | $5.9M | $5.0M | $4.1M | $844K | $42K | 0.72% | 4.05% | 5.07% | 775 |
| Q3 2025 | $5.9M | $5.0M | $4.2M | $843K | $40K | 0.91% | 4.03% | 1.95% | 795 |
| Q2 2025 | $6.1M | $5.2M | $4.3M | $831K | $29K | 0.96% | 3.92% | 1.69% | 818 |
| Q1 2025 | $6.2M | $5.2M | $3.9M | $816K | $13K | 0.86% | 3.73% | 3.39% | 873 |
| Q4 2024 | $6.5M | $5.6M | $4.0M | $802K | $49K | 0.75% | 3.24% | 3.13% | 861 |
| Q3 2024 | $5.9M | $5.1M | $4.2M | $783K | $29K | 0.65% | 3.40% | 2.40% | 963 |
| Q2 2024 | $6.1M | $5.3M | $4.5M | $795K | $41K | 1.35% | 3.74% | 2.12% | 964 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $6K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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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