| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.4% | +1.3% | -12.7 pts |
| Share growth (YoY) | -13.3% | +0.7% | -13.9 pts |
| Loan growth (YoY) | -32.3% | -2.4% | -30.0 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.6M | $4.1M | $498K | $551K | $7K | 0.58% | 4.03% | 0.00% | 730 |
| Q4 2025 | $4.9M | $4.3M | $550K | $544K | $38K | 0.79% | 4.42% | 0.00% | 725 |
| Q3 2025 | $5.0M | $4.4M | $628K | $542K | $36K | 0.98% | 4.47% | 0.00% | 738 |
| Q2 2025 | $5.4M | $4.8M | $665K | $532K | $26K | 0.97% | 4.16% | 0.00% | 728 |
| Q1 2025 | $5.2M | $4.7M | $736K | $524K | $18K | 1.38% | 4.35% | 0.00% | 726 |
| Q4 2024 | $5.0M | $4.5M | $812K | $506K | $53K | 1.04% | 4.52% | 0.00% | 722 |
| Q3 2024 | $5.0M | $4.5M | $854K | $497K | $44K | 1.16% | 4.52% | 0.00% | 716 |
| Q2 2024 | $4.9M | $4.4M | $905K | $478K | $25K | 1.02% | 4.53% | 0.00% | 712 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $412K · securities $2.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th |
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.