| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.2M | $1.5M | $1.6M | $683K | $6K | 1.19% | 5.29% | 0.00% | 364 |
| Q4 2025 | $2.2M | $1.5M | $1.7M | $677K | $26K | 1.19% | 4.65% | 1.13% | 368 |
| Q3 2025 | $2.2M | $1.5M | $1.7M | $679K | $29K | 1.76% | 5.20% | 1.16% | 371 |
| Q2 2025 | $2.2M | $1.5M | $1.7M | $675K | $25K | 2.26% | 5.22% | 1.58% | 372 |
| Q1 2025 | $2.1M | $1.5M | $1.7M | $663K | $12K | 2.22% | 5.44% | 1.55% | 371 |
| Q4 2024 | $2.1M | $1.4M | $1.7M | $651K | $28K | 1.33% | 4.76% | 2.14% | 370 |
| Q3 2024 | $2.1M | $1.4M | $1.6M | $646K | $15K | 0.97% | 5.06% | 1.85% | 375 |
| Q2 2024 | $2.0M | $1.4M | $1.6M | $638K | $14K | 1.43% | 5.06% | 1.86% | 375 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $400K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 81.5% | 14th |
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.