| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -5.3% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 1.5% | 4.1% | -2.6 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 | $8.6M | $5.4M | $3.9M | $3.2M | $12K | 0.56% | 4.54% | 2.63% | 666 |
| Q4 2025 | $8.4M | $5.3M | $4.1M | $3.2M | $17K | 0.20% | 4.96% | 1.74% | 674 |
| Q3 2025 | $8.6M | $5.4M | $4.0M | $3.1M | $2K | 0.03% | 4.89% | 1.91% | 679 |
| Q2 2025 | $9.0M | $5.9M | $4.0M | $3.1M | $6K | 0.14% | 4.73% | 2.76% | 685 |
| Q1 2025 | $8.9M | $5.7M | $4.0M | $3.1M | $750 | 0.03% | 4.63% | 1.91% | 688 |
| Q4 2024 | $8.7M | $5.5M | $4.0M | $3.1M | $73K | 0.84% | 4.86% | 1.19% | 698 |
| Q3 2024 | $8.7M | $5.5M | $4.3M | $3.2M | $106K | 1.62% | 4.78% | 2.69% | 699 |
| Q2 2024 | $9.0M | $5.8M | $4.4M | $3.1M | $67K | 1.49% | 4.55% | 0.93% | 702 |
Loan mix (Q1 2026): real estate $551K · commercial $0 · consumer $3.2M · securities $3.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 37th |
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.