| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.7 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.0M | $4.1M | $1.5M | $4K | 0.27% | 5.81% | 0.05% | 515 |
| Q4 2025 | $5.2M | $3.7M | $4.1M | $1.5M | $11K | 0.21% | 6.16% | 0.57% | 510 |
| Q3 2025 | $5.3M | $3.8M | $3.9M | $1.5M | $12K | 0.30% | 5.96% | 0.00% | 512 |
| Q2 2025 | $5.5M | $4.1M | $3.8M | $1.5M | $10K | 0.37% | 5.60% | 0.00% | 520 |
| Q1 2025 | $5.6M | $4.2M | $3.8M | $1.5M | $948 | 0.07% | 5.32% | 0.00% | 508 |
| Q4 2024 | $5.3M | $3.8M | $3.8M | $1.5M | $26K | 0.49% | 5.99% | 0.18% | 511 |
| Q3 2024 | $5.4M | $4.0M | $3.7M | $1.5M | $28K | 0.69% | 5.90% | 0.14% | 520 |
| Q2 2024 | $5.6M | $4.1M | $3.8M | $1.5M | $23K | 0.82% | 5.77% | 0.15% | 523 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $835K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.3% | 81.5% | 86th |
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% |
The full ratio pack is part of CharterBench Pro.