| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.4% | +1.3% | -11.7 pts |
| Share growth (YoY) | -11.8% | +0.7% | -12.4 pts |
| Loan growth (YoY) | -11.9% | -2.4% | -9.5 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 10.8% | 4.1% | +6.7 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.3M | $1.1M | $155K | $4K | 1.13% | 2.02% | 0.00% | 114 |
| Q4 2025 | $1.5M | $1.4M | $1.1M | $151K | $6K | 0.36% | 1.25% | 2.16% | 121 |
| Q3 2025 | $1.6M | $1.4M | $1.2M | $160K | $14K | 1.22% | 2.09% | 0.19% | 122 |
| Q2 2025 | $1.7M | $1.5M | $1.2M | $156K | $10K | 1.26% | 2.12% | 0.00% | 121 |
| Q1 2025 | $1.7M | $1.5M | $1.2M | $150K | $4K | 1.07% | 1.93% | 0.00% | 126 |
| Q4 2024 | $1.6M | $1.4M | $1.2M | $146K | $3K | 0.17% | 0.99% | 0.00% | 125 |
| Q3 2024 | $1.5M | $1.4M | $1.1M | $151K | $8K | 0.68% | 1.45% | 0.00% | 125 |
| Q2 2024 | $1.6M | $1.4M | $1.1M | $147K | $4K | 0.51% | 1.31% | 0.00% | 125 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $951K · securities $11K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 81.5% | 3th |
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.