| Metric | Reed Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.3 pts |
| Loan growth (YoY) | -21.1% | -2.4% | -18.8 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.2M | $12.5M | $2.1M | $2.7M | $3K | 0.08% | 3.08% | 2.05% | 968 |
| Q4 2025 | $15.3M | $12.5M | $2.0M | $2.7M | $74K | 0.48% | 3.21% | 3.65% | 985 |
| Q3 2025 | $15.3M | $12.5M | $2.1M | $2.7M | $66K | 0.57% | 3.24% | 2.01% | 1,001 |
| Q2 2025 | $16.2M | $13.5M | $2.3M | $2.7M | $44K | 0.54% | 3.10% | 2.19% | 1,021 |
| Q1 2025 | $16.2M | $13.5M | $2.6M | $2.7M | $28K | 0.70% | 3.18% | 2.11% | 1,065 |
| Q4 2024 | $16.2M | $13.5M | $2.7M | $2.7M | $113K | 0.70% | 3.24% | 2.26% | 1,075 |
| Q3 2024 | $16.4M | $13.7M | $2.8M | $2.6M | $87K | 0.71% | 3.16% | 1.56% | 1,091 |
| Q2 2024 | $16.5M | $13.8M | $3.0M | $2.6M | $53K | 0.64% | 3.09% | 1.39% | 1,093 |
| Ratio | Reed Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 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 | Reed Credit Union | 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 | Reed Credit Union | 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 | Reed Credit Union | 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 | Reed Credit Union | 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.