| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +1.3% | +12.3 pts |
| Share growth (YoY) | +13.9% | +0.7% | +13.2 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.2 pts |
| ROA | 3.44% | 0.60% | +2.8 pts |
| ROE | 38.2% | 4.1% | +34.1 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 | $3.6M | $3.2M | $1.6M | $322K | $31K | 3.44% | 4.20% | 0.24% | 525 |
| Q4 2025 | $3.5M | $3.1M | $1.4M | $311K | $33K | 0.96% | 1.71% | 0.00% | 527 |
| Q3 2025 | $3.4M | $3.1M | $1.5M | $298K | $20K | 0.76% | 1.48% | 0.00% | 525 |
| Q2 2025 | $3.4M | $3.1M | $1.4M | $290K | $12K | 0.70% | 1.41% | 0.00% | 519 |
| Q1 2025 | $3.1M | $2.8M | $1.5M | $286K | $8K | 1.00% | 1.86% | 0.08% | 525 |
| Q4 2024 | $3.0M | $2.8M | $1.5M | $278K | $10K | 0.32% | 1.38% | 0.08% | 524 |
| Q3 2024 | $2.7M | $2.4M | $1.5M | $273K | $5K | 0.24% | 1.35% | 0.00% | 520 |
| Q2 2024 | $2.7M | $2.4M | $1.4M | $270K | $1K | 0.10% | 1.33% | 0.00% | 518 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $1.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.44% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 38.2% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 18.7% | 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.