| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | +55.9% | -2.4% | +58.3 pts |
| ROA | 0.11% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201K | $166K | $39K | $35K | $54 | 0.11% | 2.64% | 0.00% | 29 |
| Q4 2025 | $203K | $166K | $34K | $35K | $283 | 0.14% | 1.86% | 0.00% | 29 |
| Q3 2025 | $200K | $163K | $21K | $35K | $650 | 0.43% | 1.83% | 0.00% | 29 |
| Q2 2025 | $203K | $166K | $25K | $35K | $41 | 0.04% | 1.73% | 0.00% | 29 |
| Q1 2025 | $201K | $165K | $25K | $35K | $487 | 0.97% | 1.84% | 0.00% | 29 |
| Q4 2024 | $197K | $160K | $30K | $35K | $741 | 0.38% | 2.11% | 0.00% | 29 |
| Q3 2024 | $199K | $162K | $32K | $36K | $2K | 1.30% | 2.06% | 0.00% | 29 |
| Q2 2024 | $192K | $156K | $34K | $35K | $1K | 1.27% | 2.05% | 0.00% | 29 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $39K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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.