| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -16.4% | -2.4% | -14.1 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $927K | $478K | $116K | $711 | 0.27% | 3.22% | 0.00% | 188 |
| Q4 2025 | $1.1M | $942K | $521K | $116K | $1K | 0.10% | 3.39% | 0.32% | 193 |
| Q3 2025 | $1.0M | $884K | $501K | $116K | $2K | 0.23% | 3.58% | 1.20% | 189 |
| Q2 2025 | $1.1M | $977K | $519K | $116K | $1K | 0.27% | 3.35% | 0.21% | 204 |
| Q1 2025 | $1.0M | $905K | $572K | $117K | $2K | 0.73% | 3.49% | 0.00% | 200 |
| Q4 2024 | $1.1M | $980K | $590K | $115K | $18K | 1.64% | 3.48% | 0.00% | 203 |
| Q3 2024 | $964K | $851K | $573K | $111K | $14K | 1.99% | 3.89% | 0.42% | 202 |
| Q2 2024 | $1.0M | $900K | $588K | $106K | $9K | 1.74% | 3.71% | 0.00% | 201 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $478K · securities $110K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th |
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% |
The full ratio pack is part of CharterBench Pro.