| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +1.3% | -5.2 pts |
| Share growth (YoY) | -4.0% | +0.7% | -4.7 pts |
| Loan growth (YoY) | -8.0% | -2.4% | -5.7 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.6% | 4.1% | -3.5 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.1M | $2.7M | $1.4M | $308K | $477 | 0.06% | 2.49% | 0.00% | 368 |
| Q4 2025 | $3.1M | $2.8M | $1.4M | $308K | $997 | 0.03% | 2.37% | 0.00% | 369 |
| Q3 2025 | $3.1M | $2.8M | $1.4M | $318K | $11K | 0.48% | 2.42% | 0.00% | 372 |
| Q2 2025 | $3.1M | $2.8M | $1.4M | $314K | $7K | 0.45% | 2.42% | 0.00% | 374 |
| Q1 2025 | $3.2M | $2.9M | $1.5M | $311K | $4K | 0.48% | 2.42% | 0.00% | 373 |
| Q4 2024 | $3.0M | $2.7M | $1.5M | $307K | $239 | 0.01% | 2.59% | 0.00% | 373 |
| Q3 2024 | $3.1M | $2.8M | $1.6M | $320K | $13K | 0.56% | 2.65% | 0.00% | 372 |
| Q2 2024 | $3.2M | $2.8M | $1.7M | $316K | $9K | 0.57% | 2.73% | 0.00% | 374 |
Loan mix (Q1 2026): real estate $941K · commercial $0 · consumer $474K · securities $1.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 4.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.5% | 81.5% | 82th |
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.