| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.8% | +0.7% | -5.5 pts |
| Loan growth (YoY) | +13.5% | -2.4% | +15.9 pts |
| ROA | 2.19% | 0.60% | +1.6 pts |
| ROE | 14.3% | 4.1% | +10.2 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.0M | $3.4M | $709K | $614K | $22K | 2.19% | 3.59% | 0.00% | 490 |
| Q4 2025 | $4.0M | $3.4M | $711K | $592K | $41K | 1.01% | 2.82% | 0.92% | 492 |
| Q3 2025 | $4.0M | $3.4M | $752K | $627K | $76K | 2.53% | 3.87% | 0.00% | 491 |
| Q2 2025 | $4.1M | $3.5M | $641K | $602K | $51K | 2.50% | 3.79% | 0.00% | 492 |
| Q1 2025 | $4.1M | $3.5M | $625K | $577K | $26K | 2.55% | 3.61% | 0.00% | 503 |
| Q4 2024 | $4.1M | $3.6M | $680K | $551K | $36K | 0.87% | 2.68% | 0.00% | 513 |
| Q3 2024 | $4.2M | $3.6M | $652K | $590K | $75K | 2.39% | 3.61% | 0.00% | 536 |
| Q2 2024 | $4.2M | $3.7M | $600K | $559K | $44K | 2.08% | 3.16% | 0.00% | 531 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $654K · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 81.5% | 2th |
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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