| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.4% | +1.3% | -10.7 pts |
| Share growth (YoY) | -11.4% | +0.7% | -12.1 pts |
| Loan growth (YoY) | -23.2% | -2.4% | -20.9 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $365K | $296K | $135K | $67K | $1K | 1.14% | 4.51% | 16.12% | 309 |
| Q4 2025 | $370K | $301K | $147K | $66K | $-4K | -1.13% | 3.43% | 22.05% | 299 |
| Q3 2025 | $367K | $299K | $156K | $66K | $-899 | -0.33% | 3.47% | 2.57% | 305 |
| Q2 2025 | $379K | $310K | $159K | $67K | $-253 | -0.13% | 3.46% | 0.00% | 309 |
| Q1 2025 | $403K | $334K | $176K | $67K | $-231 | -0.23% | 3.35% | 0.00% | 308 |
| Q4 2024 | $419K | $349K | $160K | $67K | $1K | 0.25% | 3.41% | 0.00% | 307 |
| Q3 2024 | $414K | $345K | $165K | $66K | $294 | 0.09% | 3.43% | 2.62% | 312 |
| Q2 2024 | $425K | $357K | $169K | $66K | $270 | 0.13% | 3.36% | 0.19% | 318 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $121K · securities $92K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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.