| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | +10.8% | -2.4% | +13.2 pts |
| ROA | 1.76% | 0.60% | +1.2 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.4M | $5.3M | $3.5M | $2.1M | $33K | 1.76% | 3.17% | 0.00% | 559 |
| Q4 2025 | $7.1M | $4.9M | $3.8M | $2.1M | $79K | 1.12% | 2.50% | 1.55% | 559 |
| Q3 2025 | $7.2M | $5.1M | $4.1M | $2.2M | $121K | 2.22% | 3.64% | 1.38% | 520 |
| Q2 2025 | $7.2M | $5.1M | $2.9M | $2.1M | $78K | 2.16% | 3.55% | 2.32% | 510 |
| Q1 2025 | $7.5M | $5.4M | $3.2M | $2.1M | $36K | 1.94% | 3.45% | 2.33% | 515 |
| Q4 2024 | $7.2M | $5.0M | $3.1M | $2.1M | $100K | 1.39% | 2.48% | 2.36% | 523 |
| Q3 2024 | $7.3M | $5.2M | $3.4M | $2.1M | $146K | 2.66% | 3.57% | 0.03% | 524 |
| Q2 2024 | $7.4M | $5.3M | $3.3M | $2.1M | $101K | 2.73% | 3.43% | 0.56% | 525 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 81.5% | 5th |
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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