| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.4% | +1.3% | +25.1 pts |
| Share growth (YoY) | +29.9% | +0.7% | +29.3 pts |
| Loan growth (YoY) | -13.5% | -2.4% | -11.1 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.8M | $6.9M | $2.5M | $878K | $18K | 0.93% | 2.64% | 3.82% | 597 |
| Q4 2025 | $7.4M | $6.5M | $2.7M | $860K | $38K | 0.51% | 2.55% | 5.02% | 599 |
| Q3 2025 | $7.1M | $6.3M | $2.8M | $878K | $56K | 1.05% | 2.94% | 2.32% | 608 |
| Q2 2025 | $6.8M | $6.0M | $2.8M | $861K | $39K | 1.14% | 2.96% | 1.59% | 617 |
| Q1 2025 | $6.1M | $5.3M | $2.9M | $842K | $19K | 1.25% | 3.51% | 2.10% | 606 |
| Q4 2024 | $6.0M | $5.1M | $2.9M | $822K | $58K | 0.97% | 3.25% | 1.88% | 614 |
| Q3 2024 | $5.8M | $5.0M | $3.1M | $828K | $64K | 1.46% | 3.66% | 0.47% | 623 |
| Q2 2024 | $5.9M | $5.1M | $3.0M | $800K | $36K | 1.22% | 3.45% | 0.53% | 629 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 81.5% | 20th |
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.