| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -10.0% | +0.7% | -10.7 pts |
| Loan growth (YoY) | -8.7% | -2.4% | -6.3 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.2M | $4.3M | $735K | $2.8M | $15K | 0.86% | 4.17% | 0.00% | 614 |
| Q4 2025 | $7.4M | $4.5M | $809K | $2.8M | $122K | 1.65% | 4.40% | 0.00% | 633 |
| Q3 2025 | $7.3M | $4.5M | $801K | $2.8M | $107K | 1.96% | 4.58% | 0.56% | 654 |
| Q2 2025 | $7.4M | $4.7M | $832K | $2.7M | $74K | 1.99% | 4.42% | 0.56% | 659 |
| Q1 2025 | $7.5M | $4.8M | $805K | $2.7M | $34K | 1.83% | 4.48% | 0.00% | 664 |
| Q4 2024 | $7.8M | $5.1M | $813K | $2.7M | $82K | 1.05% | 3.91% | 0.00% | 674 |
| Q3 2024 | $7.8M | $5.1M | $788K | $2.7M | $58K | 1.00% | 3.74% | 0.94% | 688 |
| Q2 2024 | $7.9M | $5.3M | $779K | $2.6M | $36K | 0.92% | 3.46% | 3.05% | 703 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $730K · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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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