| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -5.2% | +0.7% | -5.8 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.7 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.4M | $2.8M | $2.1M | $495K | $3K | 0.34% | 5.13% | 1.41% | 581 |
| Q4 2025 | $3.4M | $2.9M | $2.0M | $492K | $-2K | -0.06% | 4.89% | 1.38% | 577 |
| Q3 2025 | $3.5M | $3.0M | $2.0M | $499K | $5K | 0.18% | 4.69% | 0.84% | 575 |
| Q2 2025 | $3.5M | $2.9M | $2.1M | $493K | $-776 | -0.04% | 4.32% | 0.82% | 579 |
| Q1 2025 | $3.5M | $2.9M | $2.2M | $493K | $-1K | -0.13% | 4.16% | 1.01% | 585 |
| Q4 2024 | $3.4M | $2.9M | $2.3M | $494K | $-12K | -0.36% | 4.01% | 1.19% | 680 |
| Q3 2024 | $3.6M | $3.0M | $2.3M | $508K | $2K | 0.08% | 4.23% | 1.51% | 595 |
| Q2 2024 | $3.6M | $2.9M | $2.3M | $513K | $7K | 0.37% | 4.46% | 1.51% | 590 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $47K · commercial $0 · consumer $2.0M · securities $560K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 81.5% | 77th |
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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