| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +1.3% | +11.6 pts |
| Share growth (YoY) | +18.4% | +0.7% | +17.7 pts |
| Loan growth (YoY) | -42.5% | -2.4% | -40.1 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96K | $83K | $6K | $13K | $188 | 0.78% | 0.78% | 0.00% | 95 |
| Q4 2025 | $92K | $79K | $5K | $13K | $-2K | -1.91% | 1.19% | 0.00% | 96 |
| Q3 2025 | $89K | $75K | $8K | $14K | $-866 | -1.30% | 1.34% | 0.00% | 96 |
| Q2 2025 | $87K | $72K | $11K | $15K | $-112 | -0.26% | 1.42% | 0.00% | 92 |
| Q1 2025 | $85K | $70K | $10K | $15K | $326 | 1.53% | 1.53% | 0.00% | 95 |
| Q4 2024 | $83K | $69K | $13K | $15K | $-891 | -1.07% | 2.45% | 0.00% | 93 |
| Q3 2024 | $89K | $73K | $16K | $15K | $-295 | -0.44% | 2.31% | 0.00% | 94 |
| Q2 2024 | $88K | $72K | $19K | $16K | $205 | 0.47% | 2.30% | 0.00% | 94 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% | 81.5% | 0th |
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.