| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.2% | +1.3% | +17.9 pts |
| Share growth (YoY) | +24.4% | +0.7% | +23.7 pts |
| Loan growth (YoY) | +83.7% | -2.4% | +86.1 pts |
| ROA | 2.36% | 0.60% | +1.8 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $498K | $353K | $4K | $145K | $3K | 2.36% | 3.49% | 0.00% | 94 |
| Q4 2025 | $501K | $358K | $9K | $142K | $11K | 2.16% | 3.33% | 0.00% | 95 |
| Q3 2025 | $468K | $329K | $385 | $140K | $8K | 2.29% | 3.54% | 0.00% | 83 |
| Q2 2025 | $432K | $295K | $351 | $137K | $5K | 2.43% | 3.82% | 0.00% | 80 |
| Q1 2025 | $418K | $284K | $2K | $134K | $3K | 2.47% | 3.98% | 0.00% | 92 |
| Q4 2024 | $439K | $308K | $5K | $132K | $10K | 2.18% | 3.50% | 0.00% | 95 |
| Q3 2024 | $430K | $301K | $1K | $129K | $7K | 2.18% | 3.54% | 0.00% | 86 |
| Q2 2024 | $448K | $322K | $2K | $126K | $4K | 1.90% | 3.24% | 0.00% | 95 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4K · securities $435K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.5% | 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% |
The full ratio pack is part of CharterBench Pro.