| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | +7.5% | -2.4% | +9.8 pts |
| ROA | 2.06% | 0.60% | +1.5 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.1M | $845K | $922K | $245K | $6K | 2.06% | 5.18% | 1.27% | 263 |
| Q4 2025 | $1.1M | $855K | $951K | $240K | $14K | 1.26% | 4.70% | 0.14% | 263 |
| Q3 2025 | $1.1M | $877K | $934K | $235K | $9K | 1.07% | 4.32% | 0.17% | 267 |
| Q2 2025 | $1.1M | $869K | $796K | $233K | $7K | 1.26% | 4.53% | 0.23% | 268 |
| Q1 2025 | $1.1M | $820K | $858K | $229K | $3K | 1.08% | 4.46% | 1.42% | 269 |
| Q4 2024 | $1.0M | $800K | $850K | $226K | $9K | 0.88% | 4.47% | 2.80% | 270 |
| Q3 2024 | $1.0M | $797K | $852K | $223K | $6K | 0.78% | 4.36% | 3.16% | 271 |
| Q2 2024 | $1.0M | $781K | $886K | $221K | $4K | 0.77% | 4.40% | 0.80% | 272 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $852K · securities $63K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 81.5% | 13th |
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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