| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +1.3% | -2.6 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $1.4M | $1.5M | $521K | $6K | 1.30% | 5.67% | 0.81% | 711 |
| Q4 2025 | $1.9M | $1.4M | $1.6M | $515K | $25K | 1.27% | 5.74% | 0.66% | 712 |
| Q3 2025 | $1.9M | $1.4M | $1.5M | $521K | $31K | 2.12% | 5.49% | 0.72% | 712 |
| Q2 2025 | $2.0M | $1.5M | $1.5M | $517K | $25K | 2.54% | 5.30% | 1.82% | 688 |
| Q1 2025 | $2.0M | $1.5M | $1.5M | $498K | $7K | 1.50% | 5.04% | 0.30% | 682 |
| Q4 2024 | $2.0M | $1.5M | $1.5M | $490K | $34K | 1.72% | 5.79% | 0.06% | 680 |
| Q3 2024 | $1.9M | $1.5M | $1.5M | $487K | $30K | 2.08% | 5.69% | 0.23% | 677 |
| Q2 2024 | $1.9M | $1.4M | $1.5M | $471K | $14K | 1.52% | 5.79% | 0.74% | 678 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $100K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 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% |
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