| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -5.8% | +0.7% | -6.5 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 0.49% | 0.60% | -0.1 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.3M | $315K | $767K | $3K | 0.49% | 3.64% | 0.00% | 127 |
| Q4 2025 | $2.1M | $1.4M | $313K | $764K | $-16K | -0.74% | 2.99% | 0.00% | 127 |
| Q3 2025 | $2.2M | $1.5M | $351K | $766K | $-6K | -0.35% | 2.88% | 0.00% | 130 |
| Q2 2025 | $2.2M | $1.4M | $332K | $774K | $4K | 0.38% | 2.91% | 0.00% | 131 |
| Q1 2025 | $2.2M | $1.4M | $311K | $770K | $-2K | -0.28% | 2.97% | 0.00% | 131 |
| Q4 2024 | $2.2M | $1.4M | $314K | $775K | $21K | 0.95% | 3.83% | 0.01% | 132 |
| Q3 2024 | $2.2M | $1.4M | $357K | $767K | $-17K | -1.05% | 2.12% | 1.49% | 135 |
| Q2 2024 | $2.2M | $1.4M | $332K | $758K | $4K | 0.34% | 3.81% | 9.76% | 139 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $251K · securities $452K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 81.5% | 62th |
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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