| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -4.0 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.7 pts |
| ROA | 2.79% | 0.60% | +2.2 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.2M | $4.3M | $3.4M | $1.9M | $43K | 2.79% | 5.71% | 0.82% | 1,162 |
| Q4 2025 | $6.2M | $4.4M | $3.5M | $1.8M | $51K | 0.82% | 4.31% | 1.40% | 1,149 |
| Q3 2025 | $6.2M | $4.3M | $3.5M | $1.8M | $61K | 1.32% | 4.51% | 0.86% | 1,149 |
| Q2 2025 | $6.3M | $4.5M | $3.8M | $1.8M | $42K | 1.31% | 4.19% | 0.47% | 1,148 |
| Q1 2025 | $6.4M | $4.6M | $3.6M | $1.8M | $20K | 1.28% | 4.21% | 0.21% | 1,136 |
| Q4 2024 | $6.3M | $4.5M | $3.7M | $1.8M | $99K | 1.57% | 4.34% | 0.25% | 1,131 |
| Q3 2024 | $6.2M | $4.4M | $3.8M | $1.7M | $72K | 1.56% | 4.31% | 0.28% | 1,139 |
| Q2 2024 | $6.1M | $4.4M | $3.5M | $1.7M | $46K | 1.51% | 4.68% | 0.14% | 1,126 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.79% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 81.5% | 5th |
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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