| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.5% | +1.3% | -10.8 pts |
| Share growth (YoY) | -11.3% | +0.7% | -12.0 pts |
| Loan growth (YoY) | -13.7% | -2.4% | -11.4 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.8M | $3.4M | $1.3M | $404K | $10K | 1.04% | 3.10% | 0.05% | 624 |
| Q4 2025 | $3.6M | $3.2M | $1.3M | $394K | $52K | 1.43% | 3.64% | 0.05% | 615 |
| Q3 2025 | $3.4M | $3.0M | $1.4M | $382K | $40K | 1.55% | 3.92% | 0.54% | 611 |
| Q2 2025 | $3.7M | $3.0M | $1.4M | $369K | $27K | 1.49% | 3.84% | 0.52% | 605 |
| Q1 2025 | $4.2M | $3.8M | $1.6M | $355K | $13K | 1.21% | 3.35% | 0.00% | 600 |
| Q4 2024 | $4.0M | $3.6M | $1.6M | $342K | $65K | 1.62% | 3.55% | 0.00% | 593 |
| Q3 2024 | $4.0M | $3.6M | $1.6M | $327K | $50K | 1.66% | 3.58% | 0.00% | 588 |
| Q2 2024 | $3.8M | $3.4M | $1.6M | $307K | $30K | 1.60% | 3.76% | 0.00% | 580 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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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