| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +1.3% | +11.8 pts |
| Share growth (YoY) | +6.1% | +0.7% | +5.4 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.4 pts |
| ROA | 2.78% | 0.60% | +2.2 pts |
| ROE | 16.9% | 4.1% | +12.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.8M | $2.4M | $721K | $459K | $19K | 2.78% | 3.44% | 1.61% | 619 |
| Q4 2025 | $2.8M | $2.4M | $669K | $417K | $-16K | -0.59% | 4.10% | 0.71% | 614 |
| Q3 2025 | $2.7M | $2.4M | $698K | $463K | $-43K | -2.14% | 4.47% | 0.54% | 610 |
| Q2 2025 | $2.6M | $2.3M | $795K | $487K | $-30K | -2.35% | 4.22% | 0.35% | 607 |
| Q1 2025 | $2.5M | $2.3M | $790K | $490K | $-15K | -2.50% | 3.42% | 3.74% | 517 |
| Q4 2024 | $2.8M | $2.2M | $834K | $477K | $1K | 0.04% | 4.70% | 2.09% | 601 |
| Q3 2024 | $2.4M | $2.3M | $807K | $492K | $-12K | -0.67% | 4.76% | 10.73% | 509 |
| Q2 2024 | $2.6M | $2.3M | $795K | $487K | $-17K | -1.34% | 4.26% | 10.17% | 580 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.78% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $666K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 25.3% | 81.5% | 1th |
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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