| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -18.9% | -2.4% | -16.5 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.5M | $3.0M | $1.4M | $442K | $3K | 0.32% | 4.38% | 0.30% | 903 |
| Q4 2025 | $3.5M | $3.0M | $1.5M | $439K | $14K | 0.39% | 4.94% | 0.48% | 903 |
| Q3 2025 | $3.5M | $3.0M | $1.6M | $436K | $10K | 0.39% | 4.91% | 0.30% | 898 |
| Q2 2025 | $3.7M | $3.3M | $1.6M | $433K | $7K | 0.36% | 4.72% | 0.00% | 901 |
| Q1 2025 | $3.7M | $3.2M | $1.7M | $431K | $5K | 0.56% | 4.55% | 0.27% | 906 |
| Q4 2024 | $3.6M | $3.2M | $1.8M | $426K | $30K | 0.83% | 4.88% | 0.00% | 896 |
| Q3 2024 | $3.7M | $3.2M | $1.9M | $422K | $26K | 0.96% | 4.78% | 0.11% | 888 |
| Q2 2024 | $4.1M | $3.7M | $1.8M | $413K | $17K | 0.84% | 4.26% | 0.00% | 877 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $1.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 81.5% | 75th |
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.