| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -76.3% | -2.4% | -73.9 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $203K | $127K | $1K | $76K | $385 | 0.76% | 3.33% | 0.00% | 74 |
| Q4 2025 | $197K | $121K | $2K | $76K | $9 | 0.00% | 2.63% | 0.00% | 74 |
| Q3 2025 | $212K | $135K | $2K | $77K | $1K | 0.78% | 3.15% | 0.00% | 75 |
| Q2 2025 | $207K | $130K | $4K | $77K | $1K | 0.99% | 3.25% | 0.00% | 74 |
| Q1 2025 | $204K | $127K | $6K | $76K | $435 | 0.85% | 3.23% | 0.00% | 74 |
| Q4 2024 | $197K | $121K | $7K | $76K | $244 | 0.12% | 2.50% | 4.65% | 75 |
| Q3 2024 | $214K | $137K | $7K | $77K | $2K | 1.20% | 3.35% | 5.71% | 75 |
| Q2 2024 | $215K | $139K | $9K | $77K | $1K | 1.32% | 3.37% | 5.50% | 76 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1K · securities $176K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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.