| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -17.7% | -2.4% | -15.3 pts |
| ROA | 1.64% | 0.60% | +1.0 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4M | $1.9M | $190K | $427K | $10K | 1.64% | 4.20% | 5.57% | 396 |
| Q4 2025 | $2.1M | $1.7M | $276K | $417K | $36K | 1.70% | 4.51% | 3.88% | 402 |
| Q3 2025 | $1.9M | $1.5M | $284K | $407K | $26K | 1.86% | 5.04% | 3.94% | 405 |
| Q2 2025 | $1.9M | $1.5M | $127K | $400K | $19K | 2.01% | 5.03% | 9.86% | 406 |
| Q1 2025 | $2.4M | $2.0M | $231K | $394K | $13K | 2.27% | 4.71% | 5.21% | 408 |
| Q4 2024 | $2.1M | $1.7M | $326K | $381K | $50K | 2.36% | 5.27% | 2.99% | 414 |
| Q3 2024 | $1.8M | $1.4M | $318K | $367K | $35K | 2.61% | 6.02% | 2.44% | 414 |
| Q2 2024 | $1.9M | $1.6M | $112K | $357K | $26K | 2.67% | 5.78% | 4.25% | 424 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $190K · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 81.5% | 14th |
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.