| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.7% | +1.3% | -10.0 pts |
| Share growth (YoY) | -10.4% | +0.7% | -11.1 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.8 pts |
| ROA | 1.69% | 0.60% | +1.1 pts |
| ROE | 12.5% | 4.1% | +8.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $9.3M | $4.1M | $1.5M | $45K | 1.69% | 4.68% | 3.65% | 1,672 |
| Q4 2025 | $10.9M | $9.4M | $4.3M | $1.4M | $33K | 0.30% | 5.12% | 3.26% | 1,671 |
| Q3 2025 | $11.0M | $9.5M | $4.4M | $1.4M | $57K | 0.69% | 5.14% | 2.82% | 1,670 |
| Q2 2025 | $11.1M | $9.6M | $4.5M | $1.4M | $38K | 0.69% | 5.15% | 5.28% | 1,686 |
| Q1 2025 | $11.8M | $10.3M | $4.7M | $1.4M | $25K | 0.85% | 4.86% | 5.89% | 1,735 |
| Q4 2024 | $11.6M | $10.1M | $4.9M | $1.4M | $70K | 0.60% | 5.52% | 6.37% | 1,734 |
| Q3 2024 | $11.6M | $10.1M | $4.9M | $1.4M | $70K | 0.80% | 5.64% | 5.74% | 1,734 |
| Q2 2024 | $11.6M | $10.0M | $5.1M | $1.4M | $78K | 1.34% | 5.69% | 5.67% | 1,735 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 81.5% | 54th |
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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