| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.5 pts |
| Loan growth (YoY) | -25.6% | -2.4% | -23.3 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $3.6M | $936K | $797K | $9K | 0.85% | 3.23% | 0.48% | 785 |
| Q4 2025 | $4.3M | $3.5M | $1.1M | $787K | $34K | 0.78% | 3.11% | 0.49% | 788 |
| Q3 2025 | $4.3M | $3.5M | $1.1M | $781K | $28K | 0.87% | 3.26% | 0.55% | 786 |
| Q2 2025 | $4.4M | $3.6M | $1.2M | $770K | $17K | 0.77% | 3.17% | 0.44% | 789 |
| Q1 2025 | $4.4M | $3.6M | $1.3M | $760K | $6K | 0.58% | 3.08% | 0.03% | 789 |
| Q4 2024 | $4.3M | $3.5M | $1.3M | $753K | $21K | 0.50% | 2.88% | 0.00% | 793 |
| Q3 2024 | $4.6M | $3.8M | $1.5M | $747K | $15K | 0.44% | 2.78% | 0.33% | 797 |
| Q2 2024 | $4.4M | $3.6M | $1.6M | $739K | $7K | 0.30% | 2.85% | 0.32% | 807 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $936K · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 81.5% | 33th |
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.