| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.3 pts |
| Loan growth (YoY) | -5.5% | -2.4% | -3.2 pts |
| ROA | 0.12% | 0.60% | -0.5 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.1M | $2.8M | $2.3M | $355K | $926 | 0.12% | 6.25% | 0.04% | 982 |
| Q4 2025 | $3.0M | $2.7M | $2.4M | $354K | $37K | 1.22% | 7.16% | 0.35% | 1,007 |
| Q3 2025 | $3.1M | $2.8M | $2.4M | $348K | $30K | 1.26% | 6.88% | 1.76% | 981 |
| Q2 2025 | $3.1M | $2.7M | $2.5M | $343K | $25K | 1.60% | 6.71% | 1.88% | 981 |
| Q1 2025 | $3.0M | $2.7M | $2.5M | $326K | $9K | 1.23% | 7.22% | 0.69% | 962 |
| Q4 2024 | $2.8M | $2.5M | $2.4M | $316K | $31K | 1.11% | 7.47% | 0.88% | 972 |
| Q3 2024 | $2.9M | $2.6M | $2.4M | $313K | $29K | 1.34% | 7.36% | 0.20% | 959 |
| Q2 2024 | $2.9M | $2.6M | $2.6M | $302K | $18K | 1.26% | 7.27% | 0.29% | 944 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $101K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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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