| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.8% | +1.3% | -11.1 pts |
| Share growth (YoY) | -13.3% | +0.7% | -13.9 pts |
| Loan growth (YoY) | -23.0% | -2.4% | -20.7 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.4M | $1.1M | $446K | $3K | 0.58% | 6.54% | 8.82% | 469 |
| Q4 2025 | $1.8M | $1.4M | $1.2M | $443K | $28K | 1.52% | 7.22% | 8.60% | 470 |
| Q3 2025 | $1.9M | $1.4M | $1.3M | $440K | $25K | 1.74% | 6.91% | 8.46% | 466 |
| Q2 2025 | $2.0M | $1.6M | $1.3M | $430K | $14K | 1.43% | 6.52% | 8.34% | 458 |
| Q1 2025 | $2.1M | $1.6M | $1.4M | $426K | $11K | 2.07% | 6.46% | 8.84% | 458 |
| Q4 2024 | $2.1M | $1.6M | $1.5M | $416K | $22K | 1.06% | 6.21% | 5.28% | 460 |
| Q3 2024 | $1.9M | $1.4M | $1.5M | $409K | $15K | 1.10% | 6.68% | 4.92% | 450 |
| Q2 2024 | $1.8M | $1.4M | $1.4M | $398K | $4K | 0.49% | 6.62% | 4.11% | 446 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $891K · securities $400K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 81.5% | 45th |
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% |
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