| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.6% | +1.3% | -9.9 pts |
| Share growth (YoY) | -11.9% | +0.7% | -12.6 pts |
| Loan growth (YoY) | -14.3% | -2.4% | -12.0 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4M | $1.8M | $790K | $522K | $3K | 0.44% | 5.39% | 8.30% | 471 |
| Q4 2025 | $2.5M | $1.9M | $830K | $519K | $5K | 0.20% | 5.18% | 6.53% | 477 |
| Q3 2025 | $2.5M | $2.0M | $842K | $528K | $14K | 0.73% | 5.29% | 5.05% | 477 |
| Q2 2025 | $2.7M | $2.1M | $873K | $522K | $7K | 0.56% | 4.98% | 9.46% | 494 |
| Q1 2025 | $2.6M | $2.1M | $922K | $515K | $79 | 0.01% | 5.02% | 6.65% | 499 |
| Q4 2024 | $2.6M | $2.0M | $995K | $515K | $16K | 0.62% | 5.53% | 4.56% | 433 |
| Q3 2024 | $2.6M | $2.1M | $1.0M | $523K | $25K | 1.26% | 5.51% | 5.00% | 424 |
| Q2 2024 | $2.6M | $2.0M | $1.1M | $504K | $5K | 0.40% | 5.45% | 7.07% | 495 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $768K · securities $467K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 81.5% | 72th |
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.