| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $4.4M | $2.0M | $1.6M | $18K | 1.21% | 5.33% | 0.00% | 706 |
| Q4 2025 | $5.9M | $4.4M | $2.1M | $1.5M | $-2K | -0.04% | 4.24% | 0.83% | 708 |
| Q3 2025 | $5.9M | $4.4M | $2.1M | $1.5M | $-8K | -0.17% | 4.16% | 0.50% | 720 |
| Q2 2025 | $5.9M | $4.4M | $2.1M | $1.5M | $-5K | -0.15% | 4.08% | 0.86% | 719 |
| Q1 2025 | $5.8M | $4.3M | $2.1M | $1.5M | $5K | 0.36% | 4.16% | 0.00% | 724 |
| Q4 2024 | $5.8M | $4.4M | $2.2M | $1.5M | $3K | 0.06% | 4.36% | 0.00% | 732 |
| Q3 2024 | $5.8M | $4.4M | $2.2M | $1.5M | $-3K | -0.06% | 4.31% | 0.00% | 739 |
| Q2 2024 | $6.0M | $4.7M | $2.2M | $1.5M | $-198K | -6.56% | 4.09% | 0.00% | 745 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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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