| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -5.3% | +0.7% | -6.0 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3M | $1.9M | $829K | $381K | $6K | 0.98% | 3.08% | 0.19% | 194 |
| Q4 2025 | $2.3M | $1.9M | $823K | $376K | $-40K | -1.75% | -0.14% | 0.00% | 194 |
| Q3 2025 | $2.3M | $1.9M | $810K | $398K | $34K | 1.93% | 3.56% | 0.00% | 193 |
| Q2 2025 | $2.4M | $2.0M | $851K | $386K | $21K | 1.78% | 3.48% | 0.60% | 190 |
| Q1 2025 | $2.4M | $2.0M | $825K | $377K | $13K | 2.10% | 4.12% | 0.00% | 191 |
| Q4 2024 | $2.4M | $2.0M | $774K | $364K | $36K | 1.48% | 3.15% | 0.00% | 190 |
| Q3 2024 | $2.4M | $2.1M | $817K | $363K | $49K | 2.68% | 3.83% | 0.75% | 201 |
| Q2 2024 | $2.4M | $2.1M | $797K | $349K | $33K | 2.73% | 3.97% | 5.96% | 200 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $425K · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 81.5% | 24th |
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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