| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.9% | +1.3% | -12.2 pts |
| Share growth (YoY) | -12.3% | +0.7% | -13.0 pts |
| Loan growth (YoY) | -18.7% | -2.4% | -16.4 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $793K | $679K | $638K | $113K | $2K | 0.80% | 4.71% | 0.00% | 866 |
| Q4 2025 | $799K | $687K | $617K | $112K | $0 | 0.00% | 5.14% | 0.00% | 868 |
| Q3 2025 | $805K | $685K | $674K | $119K | $8K | 1.28% | 5.44% | 0.00% | 868 |
| Q2 2025 | $828K | $711K | $729K | $117K | $5K | 1.20% | 5.35% | 0.00% | 869 |
| Q1 2025 | $889K | $774K | $785K | $115K | $3K | 1.33% | 5.22% | 0.00% | 880 |
| Q4 2024 | $881K | $769K | $819K | $112K | $11K | 1.20% | 5.28% | 0.00% | 885 |
| Q3 2024 | $972K | $778K | $886K | $123K | $11K | 1.51% | 5.17% | 0.00% | 902 |
| Q2 2024 | $1.0M | $908K | $952K | $120K | $7K | 1.42% | 5.02% | 0.00% | 904 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $638K · securities $6K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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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