| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +13.4% | +0.7% | +12.8 pts |
| Loan growth (YoY) | -19.6% | -2.4% | -17.3 pts |
| ROA | -1.30% | 0.60% | -1.9 pts |
| ROE | -6.7% | 4.1% | -10.8 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.3M | $3.4M | $1.7M | $825K | $-14K | -1.30% | 4.03% | 2.66% | 495 |
| Q4 2025 | $4.2M | $3.4M | $1.7M | $839K | $6K | 0.14% | 3.18% | 0.69% | 499 |
| Q3 2025 | $4.0M | $3.1M | $1.8M | $841K | $8K | 0.26% | 3.49% | 4.14% | 499 |
| Q2 2025 | $3.9M | $3.1M | $1.8M | $840K | $7K | 0.33% | 3.68% | 6.00% | 495 |
| Q1 2025 | $3.9M | $3.0M | $2.1M | $838K | $5K | 0.47% | 3.81% | 5.19% | 491 |
| Q4 2024 | $4.0M | $3.2M | $2.4M | $833K | $11K | 0.28% | 2.92% | 0.09% | 488 |
| Q3 2024 | $3.8M | $3.0M | $2.6M | $852K | $31K | 1.06% | 3.83% | 0.16% | 489 |
| Q2 2024 | $3.9M | $3.1M | $2.6M | $842K | $20K | 1.01% | 3.62% | 0.00% | 492 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.2M · securities $1.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.30% | 0.60% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 34th |
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.