| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.8M | $3.9M | $2.3M | $897K | $6K | 0.51% | 4.19% | 4.48% | 534 |
| Q4 2025 | $4.6M | $3.6M | $2.4M | $891K | $39K | 0.85% | 4.94% | 5.00% | 529 |
| Q3 2025 | $4.6M | $3.7M | $2.4M | $888K | $36K | 1.03% | 4.96% | 4.44% | 540 |
| Q2 2025 | $4.7M | $3.8M | $2.4M | $880K | $27K | 1.17% | 4.73% | 1.16% | 535 |
| Q1 2025 | $4.6M | $3.7M | $2.3M | $848K | $-5K | -0.41% | 3.08% | 1.51% | 524 |
| Q4 2024 | $4.6M | $3.7M | $2.4M | $852K | $53K | 1.16% | 4.97% | 1.92% | 523 |
| Q3 2024 | $4.5M | $3.6M | $2.4M | $851K | $54K | 1.61% | 4.86% | 1.04% | 530 |
| Q2 2024 | $4.4M | $3.5M | $2.5M | $826K | $29K | 1.32% | 5.16% | 1.10% | 527 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $233K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 81.5% | 66th |
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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