| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -8.8% | +0.7% | -9.4 pts |
| Loan growth (YoY) | -26.3% | -2.4% | -23.9 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $448K | $310K | $139K | $136K | $522 | 0.47% | 4.04% | 0.00% | 151 |
| Q4 2025 | $474K | $336K | $144K | $135K | $5K | 1.00% | 4.41% | 0.00% | 153 |
| Q3 2025 | $478K | $340K | $172K | $135K | $4K | 1.08% | 4.52% | 0.00% | 152 |
| Q2 2025 | $486K | $350K | $192K | $134K | $3K | 1.27% | 4.57% | 0.00% | 155 |
| Q1 2025 | $473K | $339K | $188K | $132K | $938 | 0.79% | 4.71% | 0.00% | 156 |
| Q4 2024 | $476K | $342K | $206K | $131K | $1K | 0.25% | 4.72% | 0.00% | 160 |
| Q3 2024 | $487K | $355K | $197K | $130K | $5K | 1.38% | 4.73% | 0.00% | 162 |
| Q2 2024 | $488K | $358K | $244K | $128K | $3K | 1.41% | 4.86% | 0.00% | 167 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $93K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 81.5% | 68th |
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.