| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +1.3% | -4.5 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -12.0% | -2.4% | -9.7 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.7M | $5.9M | $4.1M | $783K | $11K | 0.67% | 4.89% | 0.04% | 1,565 |
| Q4 2025 | $6.7M | $5.9M | $4.0M | $770K | $-95K | -1.42% | 5.22% | 0.20% | 1,568 |
| Q3 2025 | $6.8M | $5.9M | $4.0M | $799K | $-64K | -1.26% | 5.10% | 1.77% | 1,575 |
| Q2 2025 | $6.8M | $6.0M | $4.4M | $858K | $3K | 0.08% | 5.08% | 4.09% | 1,557 |
| Q1 2025 | $7.0M | $6.1M | $4.6M | $855K | $406 | 0.02% | 5.07% | 6.45% | 1,568 |
| Q4 2024 | $6.9M | $6.0M | $4.8M | $856K | $-29K | -0.42% | 4.82% | 8.24% | 1,580 |
| Q3 2024 | $7.0M | $6.1M | $5.0M | $905K | $20K | 0.38% | 4.63% | 7.90% | 1,587 |
| Q2 2024 | $7.0M | $6.1M | $5.2M | $898K | $13K | 0.38% | 4.43% | 8.80% | 1,584 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 81.5% | 55th |
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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