| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -38.6% | -2.4% | -36.3 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143K | $128K | $7K | $14K | $102 | 0.29% | 3.42% | 51.76% | 160 |
| Q4 2025 | $138K | $124K | $8K | $14K | $2K | 1.10% | 2.96% | 45.82% | 161 |
| Q3 2025 | $135K | $121K | $9K | $14K | $2K | 1.53% | 3.71% | 42.03% | 161 |
| Q2 2025 | $137K | $123K | $10K | $14K | $2K | 2.21% | 3.78% | 0.00% | 166 |
| Q1 2025 | $139K | $126K | $11K | $13K | $317 | 0.91% | 3.61% | 0.00% | 166 |
| Q4 2024 | $137K | $124K | $9K | $13K | $2K | 1.25% | 3.36% | 0.00% | 166 |
| Q3 2024 | $127K | $115K | $9K | $12K | $1K | 1.43% | 4.10% | 0.00% | 159 |
| Q2 2024 | $127K | $116K | $10K | $11K | $194 | 0.31% | 3.93% | 0.00% | 163 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7K · securities $84K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 81.5% | 72th |
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.