| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -21.9% | -2.4% | -19.5 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.1M | $4.2M | $3.2M | $929K | $9K | 0.73% | 3.51% | 0.04% | 548 |
| Q4 2025 | $5.1M | $4.1M | $3.4M | $919K | $38K | 0.75% | 3.73% | 0.00% | 555 |
| Q3 2025 | $5.1M | $4.1M | $3.5M | $910K | $28K | 0.75% | 3.75% | 0.00% | 556 |
| Q2 2025 | $5.3M | $4.4M | $3.8M | $911K | $30K | 1.13% | 3.51% | 0.00% | 560 |
| Q1 2025 | $5.3M | $4.4M | $4.1M | $892K | $11K | 0.82% | 3.57% | 1.42% | 562 |
| Q4 2024 | $5.2M | $4.3M | $4.4M | $881K | $28K | 0.54% | 3.92% | 0.00% | 567 |
| Q3 2024 | $5.4M | $4.5M | $4.7M | $870K | $17K | 0.41% | 3.82% | 0.00% | 568 |
| Q2 2024 | $5.5M | $4.6M | $4.6M | $843K | $-11K | -0.41% | 3.70% | 0.00% | 561 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $497K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 81.5% | 59th |
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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