| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 10.8% | 4.1% | +6.7 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.7M | $8.0M | $2.8M | $929K | $25K | 1.16% | 5.17% | 0.19% | 1,090 |
| Q4 2025 | $8.7M | $7.8M | $3.0M | $917K | $85K | 0.97% | 4.78% | 1.41% | 1,085 |
| Q3 2025 | $8.7M | $7.8M | $3.1M | $908K | $75K | 1.15% | 4.80% | 0.26% | 1,124 |
| Q2 2025 | $8.8M | $7.9M | $3.2M | $884K | $53K | 1.21% | 4.69% | 0.07% | 1,115 |
| Q1 2025 | $8.8M | $7.9M | $3.2M | $854K | $24K | 1.10% | 4.64% | 0.27% | 1,120 |
| Q4 2024 | $8.5M | $7.6M | $3.3M | $830K | $75K | 0.89% | 4.39% | 0.13% | 1,120 |
| Q3 2024 | $8.5M | $7.7M | $3.4M | $800K | $45K | 0.71% | 4.20% | 0.20% | 1,147 |
| Q2 2024 | $8.7M | $7.9M | $3.5M | $776K | $21K | 0.49% | 3.83% | 0.47% | 1,157 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 81.5% | 35th |
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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