| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -6.4% | -2.4% | -4.0 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.3M | $6.1M | $3.2M | $1.1M | $12K | 0.68% | 3.34% | 2.57% | 672 |
| Q4 2025 | $7.2M | $6.0M | $3.3M | $1.1M | $74K | 1.03% | 3.36% | 2.36% | 674 |
| Q3 2025 | $7.2M | $6.1M | $3.4M | $1.1M | $48K | 0.88% | 3.47% | 0.62% | 677 |
| Q2 2025 | $7.4M | $6.3M | $3.6M | $1.1M | $3K | 0.07% | 2.56% | 0.61% | 680 |
| Q1 2025 | $7.4M | $6.3M | $3.4M | $1.1M | $-3K | -0.17% | 2.09% | 1.56% | 693 |
| Q4 2024 | $7.5M | $6.4M | $3.3M | $1.0M | $13K | 0.17% | 2.52% | 3.11% | 698 |
| Q3 2024 | $7.5M | $6.4M | $3.3M | $1.0M | $-1K | -0.02% | 2.45% | 0.91% | 697 |
| Q2 2024 | $7.6M | $6.5M | $3.1M | $1.0M | $-15K | -0.40% | 2.14% | 1.61% | 688 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $8K · commercial $0 · consumer $3.1M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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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