| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | 0.16% | 0.60% | -0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.1M | $3.0M | $795K | $2K | 0.16% | 4.05% | 0.00% | 860 |
| Q4 2025 | $4.9M | $4.1M | $3.0M | $793K | $15K | 0.30% | 4.21% | 0.00% | 869 |
| Q3 2025 | $5.1M | $4.3M | $3.1M | $793K | $14K | 0.36% | 4.12% | 0.00% | 881 |
| Q2 2025 | $5.1M | $4.3M | $3.3M | $792K | $13K | 0.52% | 4.04% | 0.37% | 881 |
| Q1 2025 | $5.1M | $4.3M | $3.2M | $790K | $11K | 0.84% | 4.16% | 0.40% | 920 |
| Q4 2024 | $5.1M | $4.3M | $3.3M | $779K | $31K | 0.61% | 4.11% | 0.26% | 911 |
| Q3 2024 | $5.2M | $4.4M | $3.4M | $781K | $33K | 0.85% | 4.00% | 0.17% | 911 |
| Q2 2024 | $5.2M | $4.4M | $3.1M | $764K | $16K | 0.60% | 3.89% | 0.02% | 909 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $1.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.3% | 81.5% | 81th |
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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