| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.3 pts |
| Loan growth (YoY) | +78.5% | -2.4% | +80.8 pts |
| ROA | 3.69% | 0.60% | +3.1 pts |
| ROE | 20.7% | 4.1% | +16.6 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201K | $163K | $30K | $36K | $2K | 3.69% | 2.94% | 5.35% | 76 |
| Q4 2025 | $202K | $165K | $27K | $36K | $3K | 1.50% | 3.26% | 7.14% | 95 |
| Q3 2025 | $199K | $162K | $32K | $35K | $3K | 1.73% | 3.31% | 0.00% | 97 |
| Q2 2025 | $201K | $165K | $20K | $35K | $318 | 0.32% | 3.08% | 0.00% | 97 |
| Q1 2025 | $200K | $164K | $17K | $33K | $166 | 0.33% | 3.10% | 6.89% | 98 |
| Q4 2024 | $197K | $161K | $21K | $33K | $2K | 1.26% | 3.75% | 9.53% | 101 |
| Q3 2024 | $200K | $164K | $25K | $33K | $3K | 1.80% | 3.74% | 7.29% | 101 |
| Q2 2024 | $204K | $168K | $28K | $32K | $351 | 0.34% | 3.60% | 10.99% | 108 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $21K · securities $873
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.69% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.8% | 81.5% | 3th |
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.