| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -8.0% | +0.7% | -8.6 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 1.6% | 4.1% | -2.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $1.6M | $1.2M | $688K | $3K | 0.46% | 3.49% | 0.00% | 277 |
| Q4 2025 | $2.5M | $1.8M | $1.1M | $686K | $3K | 0.12% | 3.30% | 0.14% | 281 |
| Q3 2025 | $2.5M | $1.8M | $1.0M | $688K | $6K | 0.29% | 3.37% | 0.00% | 281 |
| Q2 2025 | $2.5M | $1.8M | $1.0M | $685K | $2K | 0.16% | 3.36% | 0.00% | 303 |
| Q1 2025 | $2.5M | $1.8M | $1.1M | $685K | $2K | 0.35% | 3.47% | 0.58% | 281 |
| Q4 2024 | $2.5M | $1.8M | $1.2M | $683K | $8K | 0.31% | 3.71% | 0.11% | 284 |
| Q3 2024 | $2.5M | $1.8M | $1.3M | $682K | $7K | 0.34% | 3.62% | 0.00% | 287 |
| Q2 2024 | $2.6M | $1.9M | $1.2M | $680K | $5K | 0.40% | 3.62% | 0.00% | 296 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $960K · securities $751K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 81.5% | 61th |
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.