| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.4 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.5 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.8M | $4.2M | $2.1M | $532K | $1K | 0.10% | 4.44% | 2.62% | 557 |
| Q4 2025 | $4.8M | $4.3M | $2.2M | $531K | $22K | 0.45% | 4.72% | 0.10% | 556 |
| Q3 2025 | $4.9M | $4.3M | $2.3M | $524K | $15K | 0.40% | 4.71% | 0.36% | 569 |
| Q2 2025 | $4.9M | $4.3M | $2.3M | $518K | $9K | 0.38% | 4.82% | 0.30% | 573 |
| Q1 2025 | $4.9M | $4.4M | $2.4M | $515K | $6K | 0.48% | 4.95% | 0.04% | 579 |
| Q4 2024 | $4.9M | $4.4M | $2.8M | $509K | $26K | 0.53% | 5.07% | 0.94% | 594 |
| Q3 2024 | $5.2M | $4.7M | $2.9M | $502K | $19K | 0.49% | 4.75% | 0.28% | 603 |
| Q2 2024 | $4.9M | $4.4M | $2.8M | $493K | $10K | 0.42% | 4.87% | 1.24% | 632 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.1M · securities $2.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.6% | 81.5% | 78th |
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.