| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | 0.02% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.6M | $5.1M | $3.0M | $497K | $212 | 0.02% | 4.25% | 0.43% | 1,000 |
| Q4 2025 | $5.6M | $5.0M | $3.2M | $496K | $-36K | -0.64% | 4.09% | 0.84% | 1,002 |
| Q3 2025 | $5.6M | $5.1M | $3.2M | $511K | $-22K | -0.51% | 3.93% | 0.21% | 1,003 |
| Q2 2025 | $5.5M | $5.0M | $3.3M | $518K | $-14K | -0.51% | 4.02% | 0.96% | 1,004 |
| Q1 2025 | $5.5M | $5.0M | $3.2M | $525K | $-7K | -0.53% | 3.95% | 1.10% | 1,025 |
| Q4 2024 | $5.3M | $4.8M | $3.2M | $532K | $-21K | -0.40% | 4.81% | 0.36% | 1,043 |
| Q3 2024 | $5.5M | $5.0M | $3.2M | $557K | $4K | 0.10% | 4.56% | 0.82% | 1,052 |
| Q2 2024 | $5.9M | $5.3M | $3.3M | $558K | $5K | 0.16% | 4.32% | 0.64% | 1,070 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.60% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $9K
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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