| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 2.16% | 0.60% | +1.6 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $163K | $126K | $32K | $37K | $879 | 2.16% | 4.71% | 0.00% | 130 |
| Q4 2025 | $161K | $125K | $31K | $36K | $2K | 1.26% | 4.54% | 0.00% | 132 |
| Q3 2025 | $160K | $124K | $27K | $36K | $2K | 1.91% | 4.74% | 0.00% | 132 |
| Q2 2025 | $162K | $126K | $29K | $36K | $2K | 2.69% | 4.94% | 0.00% | 132 |
| Q1 2025 | $164K | $129K | $32K | $35K | $1K | 3.03% | 5.28% | 0.00% | 132 |
| Q4 2024 | $162K | $129K | $35K | $33K | $5K | 3.01% | 4.76% | 0.00% | 146 |
| Q3 2024 | $161K | $128K | $39K | $33K | $4K | 3.55% | 5.13% | 0.00% | 157 |
| Q2 2024 | $160K | $129K | $37K | $31K | $2K | 3.08% | 4.39% | 0.00% | 153 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $32K · securities $69K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 81.5% | 9th |
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.