| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.1M | $4.1M | $2.3M | $1.0M | $8K | 0.65% | 3.98% | 0.87% | 643 |
| Q4 2025 | $5.1M | $4.0M | $2.4M | $1.0M | $-6K | -0.11% | 3.06% | 1.50% | 665 |
| Q3 2025 | $5.0M | $4.0M | $2.5M | $1.1M | $17K | 0.45% | 3.27% | 0.35% | 625 |
| Q2 2025 | $5.1M | $4.0M | $2.5M | $1.0M | $2K | 0.07% | 2.86% | 0.66% | 630 |
| Q1 2025 | $5.1M | $4.0M | $2.3M | $1.1M | $12K | 0.98% | 3.69% | 0.80% | 652 |
| Q4 2024 | $5.1M | $3.9M | $2.4M | $1.0M | $57K | 1.12% | 3.83% | 0.42% | 686 |
| Q3 2024 | $5.0M | $3.9M | $2.4M | $1.1M | $66K | 1.76% | 4.42% | 0.44% | 655 |
| Q2 2024 | $4.9M | $3.9M | $2.6M | $1.0M | $50K | 2.02% | 4.52% | 1.98% | 685 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $19K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 31th |
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.