| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.8 pts |
| Loan growth (YoY) | -36.5% | -2.4% | -34.1 pts |
| ROA | 1.65% | 0.60% | +1.0 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 88th 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 | $744K | $625K | $9K | 1.65% | 2.90% | 4.19% | 203 |
| Q4 2025 | $2.3M | $1.6M | $839K | $616K | $16K | 0.72% | 2.82% | 3.94% | 203 |
| Q3 2025 | $2.2M | $1.6M | $1.0M | $612K | $12K | 0.74% | 3.21% | 3.52% | 204 |
| Q2 2025 | $2.3M | $1.7M | $1.1M | $600K | $586 | 0.05% | 2.92% | 6.07% | 203 |
| Q1 2025 | $2.4M | $1.8M | $1.2M | $620K | $20K | 3.40% | 3.70% | 3.17% | 197 |
| Q4 2024 | $2.5M | $1.9M | $1.3M | $599K | $31K | 1.27% | 3.34% | 1.27% | 200 |
| Q3 2024 | $2.5M | $1.8M | $1.5M | $611K | $43K | 2.35% | 3.65% | 0.00% | 209 |
| Q2 2024 | $2.7M | $2.1M | $1.6M | $581K | $13K | 0.99% | 2.88% | 0.00% | 209 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $744K · securities $352K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 81.5% | 14th |
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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