| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.6 pts |
| Loan growth (YoY) | -20.0% | -2.4% | -17.6 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.7M | $6.0M | $2.3M | $653K | $11K | 0.66% | 4.80% | 4.68% | 3,785 |
| Q4 2025 | $6.5M | $5.8M | $2.6M | $642K | $22K | 0.33% | 5.20% | 2.33% | 3,785 |
| Q3 2025 | $6.7M | $6.0M | $2.7M | $628K | $8K | 0.16% | 5.13% | 1.47% | 3,723 |
| Q2 2025 | $6.9M | $6.2M | $2.8M | $610K | $-11K | -0.31% | 4.92% | 2.16% | 3,734 |
| Q1 2025 | $7.0M | $6.3M | $2.8M | $599K | $-21K | -1.21% | 4.63% | 1.27% | 3,775 |
| Q4 2024 | $6.8M | $6.1M | $3.1M | $620K | $-300K | -4.42% | 4.71% | 1.91% | 3,734 |
| Q3 2024 | $6.8M | $6.1M | $3.4M | $684K | $-237K | -4.62% | 4.64% | 3.10% | 3,734 |
| Q2 2024 | $7.2M | $6.4M | $3.5M | $709K | $-211K | -5.87% | 4.54% | 2.93% | 3,839 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $3.5M
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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