| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.6 pts |
| Loan growth (YoY) | +7.5% | -2.4% | +9.9 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $4.7M | $3.9M | $485K | $14K | 1.07% | 5.27% | 10.02% | 829 |
| Q4 2025 | $5.2M | $4.7M | $3.7M | $471K | $68K | 1.30% | 5.20% | 14.57% | 836 |
| Q3 2025 | $5.3M | $4.7M | $3.7M | $505K | $102K | 2.58% | 5.16% | 16.09% | 841 |
| Q2 2025 | $5.3M | $4.9M | $3.6M | $476K | $72K | 2.69% | 4.99% | 14.79% | 845 |
| Q1 2025 | $5.3M | $4.8M | $3.6M | $478K | $75K | 5.63% | 4.86% | 2.84% | 839 |
| Q4 2024 | $5.0M | $4.6M | $3.6M | $404K | $10K | 0.19% | 5.15% | 1.44% | 838 |
| Q3 2024 | $5.2M | $4.8M | $3.4M | $406K | $12K | 0.32% | 5.12% | 2.34% | 853 |
| Q2 2024 | $5.4M | $5.0M | $3.3M | $402K | $8K | 0.30% | 4.86% | 3.55% | 863 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $2.6M · securities $782K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th |
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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