| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.0 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.5 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $3.7M | $2.3M | $1.8M | $3K | 0.26% | 5.06% | 2.62% | 527 |
| Q4 2025 | $5.4M | $3.6M | $2.3M | $1.8M | $65K | 1.20% | 5.34% | 5.21% | 524 |
| Q3 2025 | $5.5M | $3.7M | $2.3M | $1.7M | $38K | 0.92% | 5.24% | 2.43% | 524 |
| Q2 2025 | $5.5M | $3.7M | $2.4M | $1.7M | $30K | 1.08% | 5.36% | 0.18% | 525 |
| Q1 2025 | $5.5M | $3.8M | $2.5M | $1.7M | $20K | 1.42% | 5.39% | 0.28% | 533 |
| Q4 2024 | $5.4M | $3.7M | $2.7M | $1.7M | $126K | 2.34% | 6.48% | 0.29% | 535 |
| Q3 2024 | $6.1M | $4.4M | $2.7M | $1.7M | $101K | 2.20% | 5.97% | 2.72% | 537 |
| Q2 2024 | $6.9M | $5.2M | $2.7M | $1.6M | $73K | 2.14% | 5.25% | 3.85% | 535 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $85K · commercial $0 · consumer $2.0M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 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% |
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