| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | -13.1% | -2.4% | -10.8 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $767K | $529K | $554K | $237K | $1K | 0.75% | 5.19% | 0.36% | 246 |
| Q4 2025 | $803K | $566K | $532K | $236K | $5K | 0.57% | 4.75% | 4.04% | 247 |
| Q3 2025 | $802K | $561K | $593K | $239K | $8K | 1.28% | 5.24% | 5.18% | 248 |
| Q2 2025 | $814K | $574K | $635K | $237K | $6K | 1.56% | 5.34% | 9.48% | 252 |
| Q1 2025 | $796K | $560K | $638K | $235K | $4K | 1.99% | 6.16% | 5.48% | 250 |
| Q4 2024 | $833K | $601K | $736K | $231K | $8K | 0.93% | 4.92% | 10.04% | 247 |
| Q3 2024 | $858K | $618K | $748K | $236K | $13K | 2.04% | 5.32% | 9.58% | 261 |
| Q2 2024 | $858K | $625K | $789K | $232K | $9K | 2.13% | 5.41% | 14.67% | 264 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $505K · securities $0
| Ratio | Smartchoice Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th |
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 | Smartchoice Credit Union | 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 | Smartchoice Credit Union | 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 | Smartchoice Credit Union | 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 | Smartchoice Credit Union | 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.