| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -4.2% | +0.7% | -4.8 pts |
| Loan growth (YoY) | -6.2% | -2.4% | -3.9 pts |
| ROA | 2.02% | 0.60% | +1.4 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.8M | $3.2M | $2.5M | $1.4M | $24K | 2.02% | 6.51% | 11.12% | 686 |
| Q4 2025 | $4.5M | $2.9M | $2.7M | $1.4M | $153K | 3.41% | 6.71% | 10.91% | 644 |
| Q3 2025 | $4.4M | $2.7M | $2.7M | $1.5M | $260K | 7.93% | 7.03% | 16.57% | 660 |
| Q2 2025 | $4.7M | $3.0M | $2.5M | $1.4M | $229K | 9.79% | 6.85% | 7.83% | 656 |
| Q1 2025 | $5.0M | $3.4M | $2.7M | $1.3M | $108K | 8.59% | 6.37% | 2.28% | 631 |
| Q4 2024 | $4.6M | $2.9M | $2.8M | $1.2M | $449K | 9.84% | 6.62% | 4.48% | 616 |
| Q3 2024 | $4.4M | $2.7M | $2.6M | $1.1M | $366K | 11.17% | 6.85% | 5.67% | 606 |
| Q2 2024 | $4.5M | $2.9M | $2.4M | $1.1M | $333K | 14.63% | 6.01% | 8.30% | 583 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $77K · consumer $2.4M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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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