| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.8 pts |
| Loan growth (YoY) | -33.4% | -2.4% | -31.1 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $5.1M | $287K | $744K | $3K | 0.19% | 1.24% | 0.00% | 257 |
| Q4 2025 | $5.8M | $5.0M | $326K | $741K | $2 | 0.00% | 1.16% | 0.00% | 258 |
| Q3 2025 | $5.7M | $5.0M | $393K | $751K | $10K | 0.23% | 1.35% | 0.00% | 258 |
| Q2 2025 | $5.6M | $4.9M | $437K | $750K | $9K | 0.31% | 1.44% | 0.00% | 257 |
| Q1 2025 | $5.5M | $4.8M | $430K | $746K | $5K | 0.35% | 1.48% | 0.00% | 255 |
| Q4 2024 | $5.6M | $4.9M | $481K | $741K | $6 | 0.00% | 1.19% | 0.00% | 258 |
| Q3 2024 | $5.7M | $4.9M | $505K | $779K | $39K | 0.90% | 2.01% | 0.00% | 260 |
| Q2 2024 | $5.7M | $4.9M | $539K | $762K | $22K | 0.76% | 1.85% | 0.00% | 268 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $134K · securities $5.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 81.5% | 57th |
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.