| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -15.0% | -2.4% | -12.6 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.7M | $7.1M | $3.4M | $563K | $8K | 0.42% | 2.56% | 0.24% | 1,167 |
| Q4 2025 | $7.8M | $7.2M | $3.5M | $555K | $-40K | -0.52% | 2.62% | 0.07% | 1,169 |
| Q3 2025 | $7.5M | $6.9M | $3.7M | $556K | $-40K | -0.71% | 2.76% | 0.07% | 1,174 |
| Q2 2025 | $7.3M | $6.8M | $3.9M | $564K | $-32K | -0.86% | 2.78% | 0.07% | 1,176 |
| Q1 2025 | $7.5M | $6.9M | $4.0M | $572K | $-24K | -1.26% | 2.65% | 0.04% | 1,178 |
| Q4 2024 | $6.8M | $6.2M | $4.3M | $595K | $-17K | -0.26% | 3.04% | 0.00% | 1,188 |
| Q3 2024 | $6.9M | $6.3M | $4.4M | $588K | $-25K | -0.49% | 2.90% | 0.00% | 1,212 |
| Q2 2024 | $6.8M | $6.3M | $4.2M | $584K | $-28K | -0.83% | 2.74% | 1.19% | 1,216 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.2% | 81.5% | 95th |
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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