| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.6% | +1.3% | -10.9 pts |
| Share growth (YoY) | -13.3% | +0.7% | -13.9 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $233K | $184K | $5K | $49K | $99 | 0.17% | 3.76% | 0.00% | 93 |
| Q4 2025 | $285K | $236K | $6K | $49K | $4K | 1.39% | 2.58% | 0.00% | 89 |
| Q3 2025 | $283K | $234K | $7K | $49K | $4K | 1.86% | 3.27% | 0.00% | 89 |
| Q2 2025 | $293K | $245K | $4K | $47K | $2K | 1.56% | 3.22% | 0.00% | 89 |
| Q1 2025 | $257K | $212K | $5K | $46K | $762 | 1.18% | 3.62% | 0.00% | 91 |
| Q4 2024 | $250K | $205K | $6K | $45K | $5K | 2.00% | 3.36% | 0.00% | 90 |
| Q3 2024 | $244K | $199K | $6K | $44K | $5K | 2.96% | 4.10% | 0.00% | 97 |
| Q2 2024 | $253K | $210K | $6K | $42K | $3K | 1.99% | 3.92% | 0.00% | 99 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5K · securities $148K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 81.5% | 79th |
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.