| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -7.5% | +0.7% | -8.1 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.7 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $2.7M | $1.9M | $331K | $3K | 0.45% | 5.99% | 2.79% | 624 |
| Q4 2025 | $3.0M | $2.6M | $1.9M | $328K | $22K | 0.75% | 6.31% | 1.53% | 617 |
| Q3 2025 | $3.1M | $2.7M | $2.0M | $326K | $20K | 0.89% | 6.15% | 0.56% | 624 |
| Q2 2025 | $3.1M | $2.8M | $2.1M | $319K | $13K | 0.81% | 5.90% | 1.52% | 640 |
| Q1 2025 | $3.2M | $2.9M | $2.1M | $311K | $5K | 0.64% | 5.62% | 1.61% | 636 |
| Q4 2024 | $3.2M | $2.8M | $2.1M | $306K | $30K | 0.94% | 5.75% | 0.83% | 642 |
| Q3 2024 | $3.2M | $2.9M | $2.2M | $291K | $16K | 0.65% | 5.55% | 0.67% | 654 |
| Q2 2024 | $3.2M | $2.9M | $2.3M | $282K | $6K | 0.39% | 5.51% | 0.24% | 667 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $557K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 81.5% | 73th |
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.