| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -23.2% | -2.4% | -20.8 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76K | $62K | $18K | $13K | $196 | 1.03% | 2.12% | 11.00% | 51 |
| Q4 2025 | $77K | $63K | $20K | $13K | $714 | 0.93% | 2.11% | 0.00% | 51 |
| Q3 2025 | $79K | $66K | $21K | $13K | $704 | 1.19% | 2.23% | 0.00% | 52 |
| Q2 2025 | $78K | $64K | $21K | $13K | $566 | 1.46% | 2.47% | 0.00% | 51 |
| Q1 2025 | $76K | $63K | $23K | $13K | $315 | 1.66% | 2.61% | 0.00% | 51 |
| Q4 2024 | $73K | $60K | $20K | $12K | $279 | 0.38% | 1.72% | 0.00% | 51 |
| Q3 2024 | $72K | $59K | $22K | $12K | $162 | 0.30% | 1.58% | 0.00% | 53 |
| Q2 2024 | $77K | $64K | $16K | $12K | $-37 | -0.10% | 1.27% | 0.00% | 57 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $18K · securities $9K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 81.5% | 7th |
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.