| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.4 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | +4.6% | -2.4% | +6.9 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $445K | $341K | $100K | $103K | $606 | 0.54% | 5.58% | 1.06% | 266 |
| Q4 2025 | $472K | $339K | $137K | $102K | $6K | 1.27% | 4.87% | 1.81% | 266 |
| Q3 2025 | $448K | $346K | $92K | $99K | $3K | 0.97% | 5.03% | 0.00% | 261 |
| Q2 2025 | $454K | $356K | $53K | $97K | $1K | 0.48% | 5.03% | 0.00% | 267 |
| Q1 2025 | $485K | $357K | $95K | $97K | $821 | 0.68% | 5.37% | 4.09% | 270 |
| Q4 2024 | $528K | $431K | $136K | $96K | $5K | 1.02% | 4.92% | 0.57% | 272 |
| Q3 2024 | $516K | $421K | $100K | $93K | $7K | 1.82% | 5.04% | 0.00% | 275 |
| Q2 2024 | $515K | $424K | $67K | $90K | $4K | 1.45% | 5.10% | 0.00% | 279 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $100K · securities $2K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 81.5% | 70th |
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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