| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.6% | +1.3% | -15.9 pts |
| Share growth (YoY) | -17.8% | +0.7% | -18.4 pts |
| Loan growth (YoY) | -33.9% | -2.4% | -31.6 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.2M | $1.8M | $497K | $371K | $2K | 0.37% | 3.51% | 2.81% | 307 |
| Q4 2025 | $2.2M | $1.8M | $578K | $369K | $27K | 1.23% | 4.08% | 0.00% | 315 |
| Q3 2025 | $2.1M | $1.8M | $623K | $367K | $25K | 1.55% | 4.36% | 0.00% | 319 |
| Q2 2025 | $2.2M | $1.8M | $675K | $363K | $21K | 1.92% | 4.47% | 0.00% | 325 |
| Q1 2025 | $2.6M | $2.2M | $752K | $351K | $10K | 1.48% | 4.02% | 0.00% | 331 |
| Q4 2024 | $2.5M | $2.2M | $803K | $342K | $39K | 1.54% | 4.15% | 0.00% | 338 |
| Q3 2024 | $2.6M | $2.3M | $858K | $332K | $29K | 1.48% | 3.93% | 0.00% | 348 |
| Q2 2024 | $2.6M | $2.3M | $921K | $321K | $18K | 1.40% | 3.89% | 0.32% | 355 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $490K · securities $1.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 68th |
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.