| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +3.7% | -2.4% | +6.1 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.6M | $839K | $134K | $3K | 0.64% | 6.27% | 0.21% | 2,081 |
| Q4 2025 | $1.8M | $1.5M | $853K | $131K | $12K | 0.63% | 6.43% | 0.09% | 2,169 |
| Q3 2025 | $1.9M | $1.6M | $820K | $129K | $10K | 0.67% | 6.17% | 0.20% | 2,159 |
| Q2 2025 | $1.9M | $1.6M | $794K | $127K | $7K | 0.77% | 6.41% | 0.12% | 2,174 |
| Q1 2025 | $1.9M | $1.6M | $809K | $123K | $3K | 0.69% | 6.35% | 0.12% | 2,174 |
| Q4 2024 | $1.9M | $1.6M | $853K | $120K | $20K | 1.03% | 6.71% | 2.67% | 2,196 |
| Q3 2024 | $1.9M | $1.6M | $842K | $116K | $16K | 1.12% | 6.82% | 0.77% | 2,216 |
| Q2 2024 | $1.9M | $1.7M | $841K | $107K | $7K | 0.74% | 6.56% | 0.00% | 2,243 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $839K · securities $850K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 81.5% | 70th |
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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