| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -3.1% | +0.7% | -3.8 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.1 pts |
| ROA | 1.59% | 0.60% | +1.0 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $930K | $571K | $428K | $358K | $4K | 1.59% | 2.97% | 0.00% | 870 |
| Q4 2025 | $975K | $620K | $422K | $354K | $17K | 1.73% | 3.13% | 0.00% | 870 |
| Q3 2025 | $921K | $570K | $455K | $350K | $12K | 1.80% | 3.34% | 0.00% | 870 |
| Q2 2025 | $967K | $621K | $456K | $345K | $7K | 1.51% | 3.10% | 0.00% | 869 |
| Q1 2025 | $932K | $589K | $409K | $341K | $4K | 1.56% | 3.15% | 0.00% | 869 |
| Q4 2024 | $887K | $547K | $435K | $338K | $9K | 1.00% | 3.66% | 0.00% | 869 |
| Q3 2024 | $833K | $496K | $442K | $336K | $7K | 1.14% | 3.93% | 0.00% | 866 |
| Q2 2024 | $832K | $498K | $449K | $333K | $4K | 0.91% | 3.94% | 0.00% | 862 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $378K · securities $812
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 81.5% | 4th |
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.