| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | +12.4% | -2.4% | +14.8 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.5M | $3.2M | $454K | $3K | 0.22% | 5.26% | 0.06% | 1,034 |
| Q4 2025 | $4.8M | $4.4M | $3.2M | $451K | $17K | 0.36% | 5.23% | 0.07% | 1,030 |
| Q3 2025 | $4.8M | $4.4M | $3.3M | $455K | $25K | 0.69% | 5.13% | 0.51% | 1,029 |
| Q2 2025 | $4.9M | $4.4M | $3.1M | $459K | $25K | 1.02% | 4.96% | 0.63% | 1,009 |
| Q1 2025 | $5.0M | $4.5M | $2.9M | $440K | $7K | 0.53% | 4.75% | 0.33% | 991 |
| Q4 2024 | $4.9M | $4.4M | $3.2M | $434K | $54K | 1.10% | 5.07% | 0.22% | 991 |
| Q3 2024 | $5.0M | $4.6M | $3.5M | $434K | $54K | 1.45% | 5.02% | 0.00% | 1,000 |
| Q2 2024 | $5.3M | $4.8M | $3.5M | $419K | $39K | 1.47% | 4.69% | 0.00% | 968 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $659K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 81.5% | 80th |
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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