| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -4.6% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -18.2% | -2.4% | -15.9 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.5M | $839K | $761K | $7K | 0.83% | 3.91% | 3.06% | 743 |
| Q4 2025 | $3.1M | $2.4M | $890K | $754K | $25K | 0.80% | 4.42% | 3.23% | 756 |
| Q3 2025 | $3.5M | $2.8M | $975K | $748K | $19K | 0.72% | 3.96% | 3.42% | 766 |
| Q2 2025 | $3.5M | $2.7M | $1.0M | $733K | $4K | 0.25% | 3.96% | 2.34% | 773 |
| Q1 2025 | $3.4M | $2.6M | $1.0M | $723K | $-6K | -0.66% | 4.06% | 2.32% | 796 |
| Q4 2024 | $3.3M | $2.6M | $1.1M | $729K | $-10K | -0.30% | 4.30% | 0.75% | 809 |
| Q3 2024 | $3.6M | $2.9M | $1.2M | $733K | $-6K | -0.21% | 3.92% | 0.92% | 818 |
| Q2 2024 | $3.6M | $2.9M | $1.3M | $729K | $-10K | -0.54% | 3.76% | 0.59% | 834 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $833K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 81.5% | 34th |
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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