| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +1.3% | -7.0 pts |
| Share growth (YoY) | -7.3% | +0.7% | -8.0 pts |
| Loan growth (YoY) | -14.6% | -2.4% | -12.3 pts |
| ROA | 1.57% | 0.60% | +1.0 pts |
| ROE | 11.1% | 4.1% | +7.0 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.6M | $4.8M | $2.4M | $796K | $22K | 1.57% | 3.40% | 0.00% | 491 |
| Q4 2025 | $5.8M | $5.0M | $2.6M | $774K | $3K | 0.06% | 1.84% | 0.00% | 498 |
| Q3 2025 | $5.9M | $5.1M | $2.8M | $820K | $49K | 1.10% | 2.68% | 0.00% | 503 |
| Q2 2025 | $5.9M | $5.1M | $3.0M | $799K | $29K | 0.98% | 2.57% | 0.00% | 507 |
| Q1 2025 | $6.0M | $5.2M | $2.8M | $786K | $14K | 0.97% | 2.59% | 0.26% | 509 |
| Q4 2024 | $5.9M | $5.2M | $2.7M | $772K | $7K | 0.11% | 1.69% | 0.16% | 519 |
| Q3 2024 | $6.0M | $5.1M | $2.8M | $841K | $76K | 1.69% | 3.03% | 0.00% | 523 |
| Q2 2024 | $6.0M | $5.2M | $3.0M | $819K | $54K | 1.80% | 3.08% | 0.64% | 523 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 81.5% | 7th |
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.