| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -7.2% | +0.7% | -7.9 pts |
| Loan growth (YoY) | -100.0% | -2.4% | -97.6 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 1.8% | 4.1% | -2.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $684K | $386K | $0 | $298K | $1K | 0.76% | 1.90% | — | 101 |
| Q4 2025 | $687K | $391K | $0 | $296K | $7K | 0.97% | 2.24% | — | 106 |
| Q3 2025 | $679K | $384K | $0 | $295K | $5K | 0.99% | 2.31% | — | 107 |
| Q2 2025 | $658K | $360K | $999 | $298K | $8K | 2.49% | 3.49% | 100.00% | 108 |
| Q1 2025 | $710K | $416K | $1K | $294K | $4K | 2.37% | 3.38% | 100.00% | 113 |
| Q4 2024 | $823K | $534K | $1K | $290K | $17K | 2.07% | 3.25% | 100.00% | 114 |
| Q3 2024 | $818K | $531K | $1K | $287K | $14K | 2.22% | 3.49% | 100.00% | 114 |
| Q2 2024 | $815K | $528K | $2K | $287K | $13K | 3.20% | 3.94% | 0.00% | 116 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 81.5% | 12th |
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.