| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -18.4% | -2.4% | -16.1 pts |
| ROA | 0.15% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $748K | $574K | $39K | $173K | $272 | 0.15% | 3.02% | 0.00% | 102 |
| Q4 2025 | $742K | $569K | $44K | $172K | $5K | 0.71% | 3.52% | 0.00% | 102 |
| Q3 2025 | $746K | $567K | $49K | $178K | $11K | 1.93% | 3.45% | 0.00% | 102 |
| Q2 2025 | $710K | $536K | $50K | $173K | $6K | 1.55% | 3.26% | 0.00% | 103 |
| Q1 2025 | $708K | $537K | $47K | $170K | $3K | 1.44% | 2.97% | 0.00% | 106 |
| Q4 2024 | $698K | $530K | $43K | $167K | $9K | 1.35% | 3.02% | 2.57% | 107 |
| Q3 2024 | $673K | $508K | $40K | $164K | $7K | 1.30% | 3.22% | 3.36% | 108 |
| Q2 2024 | $680K | $517K | $49K | $162K | $4K | 1.28% | 3.41% | 0.84% | 112 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $28K · securities $535K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 81.5% | 79th |
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.