| Metric | Navarro Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.8 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +12.1% | -2.4% | +14.5 pts |
| ROA | -0.27% | 0.60% | -0.9 pts |
| ROE | -0.6% | 4.1% | -4.7 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.7M | $1.6M | $1.4M | $1.1M | $-2K | -0.27% | 9.62% | 3.04% | 671 |
| Q4 2025 | $2.8M | $1.6M | $1.4M | $1.1M | $13K | 0.47% | 4.30% | 0.85% | 673 |
| Q3 2025 | $2.7M | $1.6M | $1.4M | $1.1M | $12K | 0.59% | 4.27% | 0.22% | 677 |
| Q2 2025 | $2.7M | $1.6M | $1.3M | $1.1M | $2K | 0.13% | 4.15% | 0.13% | 678 |
| Q1 2025 | $2.7M | $1.6M | $1.3M | $1.1M | $-3K | -0.46% | 3.99% | 2.09% | 676 |
| Q4 2024 | $2.8M | $1.7M | $1.3M | $1.1M | $21K | 0.75% | 4.16% | 1.44% | 672 |
| Q3 2024 | $2.9M | $1.8M | $1.4M | $1.1M | $21K | 0.94% | 3.94% | 0.00% | 676 |
| Q2 2024 | $3.1M | $1.9M | $1.4M | $1.1M | $12K | 0.81% | 3.61% | 0.00% | 699 |
| Ratio | Navarro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 4.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 9.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 81.5% | 29th |
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 | Navarro Credit Union | 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 | Navarro Credit Union | 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 | Navarro Credit Union | 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 | Navarro Credit Union | 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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