| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.3 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.2M | $879K | $255K | $2K | 0.34% | 4.27% | 3.73% | 442 |
| Q4 2025 | $2.5M | $2.2M | $834K | $252K | $9K | 0.36% | 4.25% | 3.75% | 455 |
| Q3 2025 | $2.6M | $2.3M | $876K | $252K | $8K | 0.41% | 3.97% | 3.57% | 455 |
| Q2 2025 | $2.6M | $2.3M | $968K | $248K | $4K | 0.35% | 3.88% | 4.10% | 464 |
| Q1 2025 | $2.5M | $2.3M | $935K | $245K | $1K | 0.20% | 3.77% | 4.14% | 470 |
| Q4 2024 | $2.4M | $2.2M | $963K | $244K | $984 | 0.04% | 3.84% | 3.54% | 479 |
| Q3 2024 | $2.6M | $2.3M | $1000K | $243K | $716 | 0.04% | 3.48% | 0.61% | 473 |
| Q2 2024 | $2.6M | $2.3M | $991K | $241K | $-2K | -0.15% | 3.27% | 0.62% | 478 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $877K · securities $1.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 81.5% | 70th |
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% |
The full ratio pack is part of CharterBench Pro.