| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.1M | $3.8M | $820K | $2K | 0.14% | 3.56% | 0.00% | 1,372 |
| Q4 2025 | $5.9M | $5.1M | $3.5M | $779K | $81K | 1.38% | 4.91% | 0.22% | 1,375 |
| Q3 2025 | $5.9M | $5.1M | $3.7M | $790K | $37K | 0.84% | 4.30% | 0.27% | 1,374 |
| Q2 2025 | $6.1M | $5.3M | $3.9M | $773K | $26K | 0.85% | 4.19% | 0.22% | 1,373 |
| Q1 2025 | $6.2M | $5.4M | $3.7M | $760K | $8K | 0.52% | 3.75% | 0.07% | 1,371 |
| Q4 2024 | $5.9M | $5.1M | $3.7M | $731K | $65K | 1.11% | 4.71% | 0.27% | 1,367 |
| Q3 2024 | $5.9M | $5.2M | $3.7M | $700K | $30K | 0.68% | 3.89% | 0.10% | 1,361 |
| Q2 2024 | $5.8M | $5.1M | $3.9M | $666K | $8K | 0.27% | 3.65% | 0.18% | 1,354 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 81.5% | 80th |
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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