| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -9.3% | +0.7% | -10.0 pts |
| Loan growth (YoY) | +14.3% | -2.4% | +16.7 pts |
| ROA | 2.26% | 0.60% | +1.7 pts |
| ROE | 11.9% | 4.1% | +7.8 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $3.6M | $3.2M | $842K | $25K | 2.26% | 4.97% | 1.11% | 866 |
| Q4 2025 | $4.5M | $3.6M | $3.0M | $819K | $86K | 1.93% | 5.45% | 0.19% | 852 |
| Q3 2025 | $5.1M | $4.2M | $3.1M | $847K | $182K | 4.81% | 6.26% | 0.76% | 856 |
| Q2 2025 | $4.8M | $4.0M | $3.0M | $784K | $80K | 3.37% | 5.90% | 1.00% | 880 |
| Q1 2025 | $4.7M | $4.0M | $2.8M | $746K | $13K | 1.10% | 5.75% | 0.45% | 909 |
| Q4 2024 | $4.7M | $4.0M | $2.6M | $733K | $115K | 2.43% | 5.21% | 1.05% | 1,000 |
| Q3 2024 | $4.6M | $3.8M | $2.6M | $703K | $97K | 2.82% | 5.33% | 0.00% | 1,053 |
| Q2 2024 | $4.6M | $3.9M | $2.6M | $680K | $70K | 3.07% | 5.50% | 0.00% | 1,058 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 81.5% | 8th |
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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