| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -6.9% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -25.5% | -2.4% | -23.1 pts |
| ROA | 1.79% | 0.60% | +1.2 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $1.7M | $417K | $568K | $10K | 1.79% | 2.47% | 0.00% | 136 |
| Q4 2025 | $2.3M | $1.7M | $446K | $558K | $44K | 1.91% | 2.53% | 0.00% | 137 |
| Q3 2025 | $2.3M | $1.7M | $478K | $549K | $34K | 2.01% | 2.65% | 0.00% | 142 |
| Q2 2025 | $2.3M | $1.7M | $525K | $536K | $22K | 1.91% | 2.60% | 0.00% | 149 |
| Q1 2025 | $2.4M | $1.8M | $560K | $525K | $10K | 1.77% | 2.49% | 0.00% | 151 |
| Q4 2024 | $2.3M | $1.8M | $583K | $514K | $44K | 1.86% | 2.47% | 0.00% | 153 |
| Q3 2024 | $2.3M | $1.8M | $573K | $501K | $30K | 1.74% | 2.36% | 0.00% | 155 |
| Q2 2024 | $2.5M | $2.0M | $624K | $489K | $19K | 1.51% | 2.18% | 0.00% | 164 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $363K · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.0% | 81.5% | 1th |
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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