| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +1.3% | +11.1 pts |
| Share growth (YoY) | +12.3% | +0.7% | +11.7 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 12.2% | 4.1% | +8.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.7M | $2.4M | $1.6M | $267K | $8K | 1.23% | 5.42% | 6.59% | 622 |
| Q4 2025 | $2.6M | $2.4M | $1.8M | $259K | $34K | 1.28% | 5.99% | 6.25% | 615 |
| Q3 2025 | $2.7M | $2.4M | $1.8M | $248K | $23K | 1.16% | 5.80% | 4.65% | 615 |
| Q2 2025 | $2.7M | $2.4M | $1.7M | $238K | $12K | 0.91% | 5.45% | 4.92% | 613 |
| Q1 2025 | $2.4M | $2.1M | $1.6M | $235K | $10K | 1.65% | 6.35% | 3.32% | 613 |
| Q4 2024 | $2.4M | $2.1M | $1.6M | $225K | $37K | 1.55% | 6.27% | 2.62% | 609 |
| Q3 2024 | $2.3M | $2.1M | $1.6M | $216K | $27K | 1.55% | 6.22% | 3.09% | 608 |
| Q2 2024 | $2.3M | $2.1M | $1.6M | $206K | $17K | 1.50% | 6.05% | 5.08% | 596 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $251K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 81.5% | 41th |
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.