| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.3M | $4.4M | $4.2M | $1.7M | $3K | 0.21% | 3.02% | 1.92% | 601 |
| Q4 2025 | $6.1M | $4.2M | $4.4M | $1.7M | $48K | 0.80% | 2.93% | 4.31% | 610 |
| Q3 2025 | $6.1M | $4.3M | $4.3M | $1.7M | $26K | 0.56% | 2.79% | 5.07% | 607 |
| Q2 2025 | $5.9M | $4.1M | $4.3M | $1.7M | $23K | 0.77% | 2.70% | 6.44% | 607 |
| Q1 2025 | $5.9M | $4.2M | $4.4M | $1.7M | $13K | 0.90% | 2.75% | 6.89% | 606 |
| Q4 2024 | $5.9M | $4.1M | $4.6M | $1.7M | $40K | 0.68% | 3.40% | 5.62% | 618 |
| Q3 2024 | $5.9M | $4.1M | $4.7M | $1.7M | $13K | 0.29% | 3.62% | 6.07% | 609 |
| Q2 2024 | $6.1M | $4.4M | $5.0M | $1.7M | $9K | 0.30% | 3.89% | 5.34% | 614 |
Loan mix (Q1 2026): real estate $25K · commercial $0 · consumer $4.0M · securities $1.7M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 81.5% | 75th |
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.