| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +8.0% | +0.7% | +7.4 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.9 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.4M | $1.2M | $138K | $157K | $2K | 0.45% | 2.98% | 0.46% | 358 |
| Q4 2025 | $1.3M | $1.2M | $148K | $155K | $8K | 0.58% | 3.08% | 0.61% | 325 |
| Q3 2025 | $1.3M | $1.1M | $160K | $152K | $5K | 0.48% | 3.13% | 1.01% | 347 |
| Q2 2025 | $1.3M | $1.2M | $152K | $151K | $3K | 0.48% | 3.07% | 4.78% | 352 |
| Q1 2025 | $1.3M | $1.1M | $137K | $149K | $2K | 0.59% | 3.20% | 20.73% | 353 |
| Q4 2024 | $1.2M | $1.1M | $162K | $147K | $11K | 0.94% | 3.77% | 5.32% | 355 |
| Q3 2024 | $1.3M | $1.1M | $166K | $145K | $9K | 0.95% | 3.75% | 4.39% | 342 |
| Q2 2024 | $1.3M | $1.1M | $178K | $142K | $6K | 1.01% | 3.67% | 4.40% | 343 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $138K · securities $825K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 81.5% | 58th |
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.