| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +1.3% | -9.1 pts |
| Share growth (YoY) | -9.8% | +0.7% | -10.4 pts |
| Loan growth (YoY) | -56.1% | -2.4% | -53.7 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.9M | $4.0M | $86K | $822K | $15K | 1.22% | 3.39% | 2.52% | 666 |
| Q4 2025 | $4.7M | $3.8M | $107K | $807K | $-58K | -1.24% | 1.70% | 4.02% | 693 |
| Q3 2025 | $4.8M | $4.0M | $130K | $842K | $-23K | -0.63% | 1.75% | 2.68% | 689 |
| Q2 2025 | $5.0M | $4.1M | $170K | $833K | $-33K | -1.32% | 0.73% | 2.18% | 690 |
| Q1 2025 | $5.3M | $4.4M | $195K | $821K | $-29K | -2.19% | 0.17% | 7.06% | 624 |
| Q4 2024 | $5.4M | $4.5M | $224K | $866K | $-17K | -0.31% | 2.45% | 5.00% | 633 |
| Q3 2024 | $5.5M | $4.5M | $266K | $911K | $35K | 0.85% | 2.91% | 2.52% | 696 |
| Q2 2024 | $5.5M | $4.6M | $314K | $887K | $5K | 0.17% | 2.80% | 2.31% | 698 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $69K · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 81.5% | 17th |
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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