| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.5 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | +4.9% | -2.4% | +7.3 pts |
| ROA | 1.44% | 0.60% | +0.8 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.6M | $3.3M | $3.5M | $1.3M | $16K | 1.44% | 3.34% | 0.00% | 342 |
| Q4 2025 | $4.6M | $3.3M | $3.3M | $1.3M | $63K | 1.39% | 3.29% | 0.00% | 344 |
| Q3 2025 | $4.6M | $3.4M | $3.4M | $1.2M | $7K | 0.20% | 2.99% | 0.00% | 345 |
| Q2 2025 | $4.7M | $3.4M | $3.2M | $1.2M | $29K | 1.24% | 2.99% | 0.00% | 349 |
| Q1 2025 | $4.6M | $3.4M | $3.4M | $1.2M | $10K | 0.89% | 2.82% | 0.00% | 346 |
| Q4 2024 | $4.6M | $3.5M | $3.9M | $1.2M | $39K | 0.85% | 2.66% | 0.00% | 335 |
| Q3 2024 | $4.3M | $3.1M | $3.5M | $1.2M | $39K | 1.21% | 3.10% | 0.00% | 333 |
| Q2 2024 | $4.5M | $3.3M | $3.7M | $1.2M | $15K | 0.67% | 2.52% | 0.00% | 335 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $413K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 81.5% | 9th |
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% |
The full ratio pack is part of CharterBench Pro.