| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -8.3% | +0.7% | -9.0 pts |
| Loan growth (YoY) | -18.9% | -2.4% | -16.6 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $970K | $495K | $1.0M | $4K | 0.78% | 3.29% | 5.47% | 383 |
| Q4 2025 | $2.0M | $966K | $547K | $1.0M | $7K | 0.37% | 3.60% | 11.18% | 398 |
| Q3 2025 | $2.1M | $1.0M | $570K | $1.0M | $1K | 0.07% | 3.48% | 0.39% | 398 |
| Q2 2025 | $2.1M | $1.0M | $548K | $1.0M | $-7K | -0.65% | 3.75% | 0.53% | 400 |
| Q1 2025 | $2.1M | $1.1M | $611K | $1.0M | $21K | 4.08% | 3.03% | 5.16% | 398 |
| Q4 2024 | $2.0M | $1.0M | $628K | $1.0M | $23K | 1.14% | 4.20% | 1.16% | 401 |
| Q3 2024 | $2.1M | $1.1M | $669K | $1.0M | $12K | 0.77% | 4.14% | 2.13% | 401 |
| Q2 2024 | $2.2M | $1.2M | $670K | $1.0M | $15K | 1.38% | 3.78% | 2.44% | 399 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $458K · securities $519K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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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