| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -9.3% | +0.7% | -9.9 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.0 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.6M | $1.4M | $491K | $229K | $3K | 0.63% | 3.58% | 3.65% | 368 |
| Q4 2025 | $1.6M | $1.4M | $507K | $226K | $98K | 6.12% | 4.45% | 3.07% | 377 |
| Q3 2025 | $1.7M | $1.5M | $497K | $210K | $81K | 6.30% | 3.88% | 4.40% | 383 |
| Q2 2025 | $1.7M | $1.5M | $515K | $208K | $79K | 9.05% | 4.13% | 4.39% | 382 |
| Q1 2025 | $1.7M | $1.6M | $509K | $124K | $-4K | -1.06% | 3.02% | 1.60% | 380 |
| Q4 2024 | $1.6M | $1.5M | $577K | $129K | $-30K | -1.88% | 3.48% | 3.13% | 385 |
| Q3 2024 | $1.6M | $1.5M | $556K | $119K | $-40K | -3.31% | 3.27% | 7.58% | 386 |
| Q2 2024 | $1.6M | $1.5M | $514K | $131K | $-28K | -3.51% | 2.47% | 9.63% | 381 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $491K · securities $953K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.0% | 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% |
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