| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -31.3% | +1.3% | -32.6 pts |
| Share growth (YoY) | -36.2% | +0.7% | -36.9 pts |
| Loan growth (YoY) | -100.0% | -2.4% | -97.6 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 11.7% | 4.1% | +7.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $449K | $374K | $0 | $75K | $2K | 1.96% | 2.18% | — | 259 |
| Q4 2025 | $436K | $363K | $0 | $73K | $12K | 2.85% | 3.47% | — | 255 |
| Q3 2025 | $431K | $358K | $0 | $73K | $9K | 2.73% | 3.55% | — | 254 |
| Q2 2025 | $527K | $456K | $22 | $71K | $7K | 2.59% | 3.10% | 0.00% | 273 |
| Q1 2025 | $654K | $587K | $169 | $67K | $3K | 2.06% | 2.39% | 0.00% | 277 |
| Q4 2024 | $577K | $513K | $265 | $64K | $11K | 1.85% | 2.26% | 0.00% | 271 |
| Q3 2024 | $558K | $492K | $357 | $66K | $13K | 3.04% | 3.16% | 0.00% | 276 |
| Q2 2024 | $684K | $621K | $1K | $63K | $10K | 2.85% | 2.79% | 0.00% | 410 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $418K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.6% | 81.5% | 1th |
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.