| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -7.0 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $926K | $708K | $282K | $3K | 0.88% | 3.12% | 0.00% | 346 |
| Q4 2025 | $1.2M | $952K | $748K | $280K | $4K | 0.34% | 2.97% | 0.00% | 350 |
| Q3 2025 | $1.2M | $947K | $782K | $278K | $3K | 0.33% | 2.96% | 0.40% | 351 |
| Q2 2025 | $1.2M | $935K | $729K | $276K | $386 | 0.06% | 2.88% | 0.00% | 345 |
| Q1 2025 | $1.2M | $919K | $781K | $275K | $13K | 4.29% | 3.25% | 0.00% | 346 |
| Q4 2024 | $1.2M | $904K | $854K | $275K | $7K | 0.59% | 2.88% | 0.00% | 350 |
| Q3 2024 | $1.2M | $933K | $900K | $274K | $6K | 0.64% | 2.91% | 0.62% | 347 |
| Q2 2024 | $1.1M | $869K | $903K | $273K | $5K | 0.88% | 3.25% | 0.62% | 340 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $636K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 81.5% | 28th |
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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