| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -8.9% | -2.4% | -6.5 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 1.1% | 4.1% | -3.0 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.1M | $590K | $212K | $598 | 0.18% | 4.37% | 0.00% | 296 |
| Q4 2025 | $1.3M | $1.1M | $652K | $212K | $5K | 0.39% | 4.69% | 0.00% | 297 |
| Q3 2025 | $1.3M | $1.0M | $658K | $212K | $4K | 0.48% | 4.70% | 0.00% | 300 |
| Q2 2025 | $1.3M | $1.1M | $650K | $209K | $2K | 0.35% | 4.42% | 0.00% | 305 |
| Q1 2025 | $1.3M | $1.1M | $648K | $208K | $910 | 0.28% | 4.48% | 0.00% | 312 |
| Q4 2024 | $1.3M | $1.1M | $705K | $207K | $28K | 2.14% | 5.01% | 0.00% | 313 |
| Q3 2024 | $1.3M | $1.1M | $698K | $204K | $12K | 1.28% | 5.17% | 0.00% | 318 |
| Q2 2024 | $1.4M | $1.2M | $624K | $200K | $8K | 1.14% | 4.72% | 0.00% | 320 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $590K · securities $618K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 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.