| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.5 pts |
| ROA | 3.18% | 0.60% | +2.6 pts |
| ROE | 15.0% | 4.1% | +10.9 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $1.5M | $1.2M | $416K | $16K | 3.18% | 7.22% | 2.50% | 431 |
| Q4 2025 | $1.9M | $1.5M | $1.3M | $401K | $13K | 0.67% | 5.53% | 6.63% | 428 |
| Q3 2025 | $2.0M | $1.6M | $1.4M | $404K | $16K | 1.11% | 5.56% | 6.44% | 424 |
| Q2 2025 | $2.0M | $1.6M | $1.4M | $397K | $9K | 0.91% | 5.35% | 5.36% | 435 |
| Q1 2025 | $2.0M | $1.6M | $1.3M | $394K | $6K | 1.28% | 6.15% | 2.24% | 432 |
| Q4 2024 | $1.9M | $1.5M | $1.4M | $388K | $31K | 1.60% | 4.29% | 2.63% | 430 |
| Q3 2024 | $2.0M | $1.5M | $1.5M | $402K | $20K | 1.37% | 4.92% | 2.35% | 429 |
| Q2 2024 | $2.0M | $1.6M | $1.6M | $382K | $784 | 0.08% | 3.70% | 2.52% | 433 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.2M · securities $459K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.18% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 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.