| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +1.3% | -9.7 pts |
| Share growth (YoY) | -9.6% | +0.7% | -10.3 pts |
| Loan growth (YoY) | -12.0% | -2.4% | -9.6 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $817K | $637K | $197K | $2K | 0.82% | 4.99% | 0.00% | 202 |
| Q4 2025 | $1.0M | $806K | $646K | $195K | $15K | 1.52% | 5.18% | 0.00% | 199 |
| Q3 2025 | $1.0M | $852K | $651K | $189K | $-12K | -1.53% | 5.12% | 0.00% | 199 |
| Q2 2025 | $1.1M | $902K | $719K | $192K | $6K | 1.18% | 4.85% | 0.00% | 198 |
| Q1 2025 | $1.1M | $904K | $724K | $203K | $2K | 0.87% | 4.83% | 2.20% | 210 |
| Q4 2024 | $1.1M | $898K | $766K | $201K | $21K | 1.87% | 5.76% | 1.46% | 216 |
| Q3 2024 | $1.1M | $865K | $793K | $199K | $20K | 2.48% | 6.02% | 0.00% | 220 |
| Q2 2024 | $1.1M | $898K | $828K | $194K | $15K | 2.77% | 6.11% | 0.00% | 216 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $617K · securities $104K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 69th |
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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