| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +1.3% | -4.2 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | -15.6% | -2.4% | -13.2 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.8M | $5.2M | $1.6M | $1.5M | $12K | 0.73% | 5.62% | 1.43% | 1,001 |
| Q4 2025 | $6.8M | $5.2M | $1.8M | $1.5M | $60K | 0.89% | 5.40% | 1.64% | 1,016 |
| Q3 2025 | $7.0M | $5.4M | $1.8M | $1.5M | $51K | 0.98% | 5.35% | 2.13% | 1,027 |
| Q2 2025 | $6.9M | $5.3M | $1.9M | $1.5M | $33K | 0.96% | 5.27% | 1.77% | 1,050 |
| Q1 2025 | $7.0M | $5.4M | $1.9M | $1.5M | $14K | 0.78% | 5.37% | 2.66% | 1,068 |
| Q4 2024 | $7.0M | $5.4M | $2.0M | $1.5M | $91K | 1.30% | 5.53% | 1.90% | 1,086 |
| Q3 2024 | $7.2M | $5.7M | $1.9M | $1.5M | $78K | 1.43% | 5.33% | 2.37% | 1,110 |
| Q2 2024 | $7.2M | $5.7M | $1.9M | $1.4M | $51K | 1.42% | 5.38% | 2.25% | 1,121 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $148K · commercial $0 · consumer $1.5M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 81.5% | 64th |
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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