| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.2% | +1.3% | +22.9 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 4.38% | 0.60% | +3.8 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $1.5M | $1.3M | $1.8M | $36K | 4.38% | 5.37% | 0.73% | 741 |
| Q4 2025 | $3.1M | $1.4M | $1.4M | $1.1M | $193K | 6.15% | 5.51% | 1.06% | 717 |
| Q3 2025 | $3.1M | $1.4M | $1.3M | $1.0M | $154K | 6.52% | 5.42% | 0.52% | 734 |
| Q2 2025 | $3.1M | $1.4M | $1.3M | $995K | $117K | 7.43% | 5.10% | 0.22% | 712 |
| Q1 2025 | $2.6M | $1.4M | $1.3M | $957K | $79K | 12.00% | 5.84% | 0.22% | 703 |
| Q4 2024 | $2.4M | $1.3M | $1.3M | $878K | $148K | 6.08% | 5.87% | 0.30% | 685 |
| Q3 2024 | $2.4M | $1.3M | $1.1M | $854K | $124K | 6.77% | 5.77% | 1.20% | 694 |
| Q2 2024 | $2.2M | $1.1M | $1.0M | $827K | $97K | 8.64% | 6.17% | 0.08% | 662 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.38% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $19
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 81.5% | 8th |
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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