| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -18.3% | -2.4% | -15.9 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.6M | $276K | $436K | $7K | 1.29% | 3.67% | 0.96% | 253 |
| Q4 2025 | $2.0M | $1.6M | $295K | $429K | $37K | 1.84% | 4.38% | 0.29% | 255 |
| Q3 2025 | $2.0M | $1.6M | $309K | $426K | $34K | 2.20% | 4.45% | 0.00% | 260 |
| Q2 2025 | $2.0M | $1.6M | $317K | $412K | $20K | 2.02% | 4.69% | 0.00% | 264 |
| Q1 2025 | $2.0M | $1.6M | $338K | $402K | $11K | 2.09% | 4.55% | 0.00% | 265 |
| Q4 2024 | $2.0M | $1.6M | $320K | $392K | $51K | 2.52% | 5.09% | 0.00% | 268 |
| Q3 2024 | $2.0M | $1.6M | $306K | $382K | $41K | 2.66% | 5.13% | 0.00% | 266 |
| Q2 2024 | $1.9M | $1.6M | $300K | $369K | $28K | 2.89% | 5.51% | 0.00% | 261 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $276K · securities $1.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 81.5% | 19th |
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.