| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +3.9 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $4.0M | $2.9M | $526K | $7K | 0.61% | 3.41% | 0.00% | 600 |
| Q4 2025 | $4.4M | $3.9M | $3.0M | $521K | $22K | 0.49% | 2.92% | 0.00% | 596 |
| Q3 2025 | $4.4M | $3.9M | $2.9M | $521K | $22K | 0.66% | 3.10% | 0.00% | 593 |
| Q2 2025 | $4.5M | $4.0M | $2.9M | $507K | $9K | 0.42% | 2.93% | 0.00% | 599 |
| Q1 2025 | $4.6M | $4.1M | $2.9M | $502K | $9K | 0.77% | 3.41% | 0.00% | 598 |
| Q4 2024 | $4.7M | $4.2M | $2.9M | $498K | $23K | 0.48% | 2.70% | 0.00% | 599 |
| Q3 2024 | $4.7M | $4.2M | $2.9M | $509K | $29K | 0.81% | 3.02% | 0.49% | 602 |
| Q2 2024 | $4.7M | $4.2M | $3.2M | $504K | $20K | 0.84% | 3.03% | 0.23% | 606 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $660K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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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