| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.2% | +1.3% | -12.5 pts |
| Share growth (YoY) | -14.0% | +0.7% | -14.7 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.3 pts |
| ROA | 1.62% | 0.60% | +1.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.2M | $2.6M | $2.0M | $609K | $13K | 1.62% | 4.02% | 0.60% | 377 |
| Q4 2025 | $3.2M | $2.6M | $1.9M | $596K | $10K | 0.30% | 3.38% | 0.53% | 378 |
| Q3 2025 | $3.6M | $3.0M | $2.1M | $606K | $20K | 0.73% | 3.05% | 0.49% | 365 |
| Q2 2025 | $3.7M | $3.1M | $2.0M | $596K | $10K | 0.53% | 2.82% | 0.00% | 366 |
| Q1 2025 | $3.6M | $3.0M | $1.9M | $594K | $10K | 1.13% | 2.97% | 0.00% | 369 |
| Q4 2024 | $3.5M | $2.9M | $1.9M | $587K | $16K | 0.46% | 2.75% | 0.00% | 367 |
| Q3 2024 | $3.6M | $3.0M | $2.0M | $583K | $13K | 0.48% | 2.56% | 0.00% | 368 |
| Q2 2024 | $3.8M | $3.2M | $2.2M | $575K | $5K | 0.26% | 2.27% | 0.00% | 372 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $978K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 81.5% | 13th |
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.