| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.4 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.2% | 4.1% | +0.1 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 | $8.1M | $7.2M | $3.0M | $968K | $10K | 0.50% | 3.62% | 0.00% | 1,375 |
| Q4 2025 | $8.1M | $7.1M | $3.0M | $958K | $48K | 0.59% | 3.74% | 0.20% | 1,383 |
| Q3 2025 | $8.4M | $7.4M | $3.1M | $943K | $33K | 0.53% | 3.67% | 0.30% | 1,371 |
| Q2 2025 | $8.3M | $7.4M | $3.3M | $923K | $14K | 0.33% | 3.57% | 0.11% | 1,380 |
| Q1 2025 | $8.2M | $7.2M | $3.3M | $915K | $5K | 0.24% | 3.45% | 0.11% | 1,399 |
| Q4 2024 | $7.6M | $6.7M | $3.5M | $910K | $7K | 0.10% | 3.67% | 1.01% | 1,408 |
| Q3 2024 | $8.3M | $7.3M | $3.6M | $899K | $-4K | -0.06% | 3.34% | 0.14% | 1,394 |
| Q2 2024 | $8.3M | $7.4M | $3.7M | $900K | $-2K | -0.05% | 3.32% | 0.00% | 1,411 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 81.5% | 62th |
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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