| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +1.3% | -3.5 pts |
| Share growth (YoY) | -5.9% | +0.7% | -6.5 pts |
| Loan growth (YoY) | -29.2% | -2.4% | -26.8 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $2.7M | $1.0M | $1.3M | $13K | 1.30% | 4.53% | 0.00% | 506 |
| Q4 2025 | $3.9M | $2.7M | $1.1M | $1.2M | $71K | 1.81% | 4.94% | 0.06% | 511 |
| Q3 2025 | $4.0M | $2.8M | $1.2M | $1.2M | $52K | 1.72% | 4.81% | 0.04% | 508 |
| Q2 2025 | $4.1M | $2.9M | $1.4M | $1.2M | $35K | 1.70% | 4.67% | 1.69% | 521 |
| Q1 2025 | $4.0M | $2.9M | $1.5M | $1.2M | $14K | 1.42% | 4.55% | 0.00% | 527 |
| Q4 2024 | $4.0M | $2.8M | $1.5M | $1.2M | $74K | 1.86% | 4.78% | 0.00% | 524 |
| Q3 2024 | $4.4M | $3.2M | $1.6M | $1.2M | $51K | 1.58% | 4.28% | 1.51% | 540 |
| Q2 2024 | $4.4M | $3.2M | $1.6M | $1.1M | $31K | 1.41% | 4.08% | 0.00% | 546 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $989K · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 81.5% | 16th |
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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