| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +11.3% | +0.7% | +10.6 pts |
| Loan growth (YoY) | -23.4% | -2.4% | -21.1 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.1M | $319K | $213K | $3K | 0.42% | 3.54% | 9.17% | 2,430 |
| Q4 2025 | $2.9M | $2.4M | $323K | $210K | $-58K | -1.97% | 3.31% | 8.94% | 2,344 |
| Q3 2025 | $2.4M | $1.8M | $387K | $204K | $-65K | -3.59% | 3.85% | 8.39% | 2,235 |
| Q2 2025 | $2.2M | $1.6M | $397K | $207K | $-61K | -5.64% | 4.13% | 4.39% | 2,078 |
| Q1 2025 | $2.3M | $1.9M | $417K | $206K | $-62K | -10.73% | 3.47% | 3.97% | 1,918 |
| Q4 2024 | $2.0M | $1.6M | $429K | $268K | $156K | 7.64% | 3.63% | 9.18% | 1,755 |
| Q3 2024 | $2.2M | $1.6M | $419K | $544K | $432K | 26.13% | 3.10% | 5.82% | 1,563 |
| Q2 2024 | $1.2M | $1.1M | $423K | $86K | $-26K | -4.21% | 4.95% | 5.80% | 1,302 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $302K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 81.5% | 62th |
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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