| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +14.1% | +0.7% | +13.5 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.4 pts |
| ROA | 1.93% | 0.60% | +1.3 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.7M | $6.3M | $2.6M | $1.4M | $37K | 1.93% | 3.31% | 0.34% | 367 |
| Q4 2025 | $7.4M | $6.1M | $2.7M | $1.3M | $41K | 0.56% | 2.14% | 0.00% | 367 |
| Q3 2025 | $7.5M | $6.2M | $2.7M | $1.3M | $56K | 1.00% | 2.56% | 0.00% | 364 |
| Q2 2025 | $7.1M | $5.8M | $2.8M | $1.3M | $28K | 0.80% | 2.27% | 0.00% | 360 |
| Q1 2025 | $6.8M | $5.5M | $2.8M | $1.3M | $36K | 2.09% | 3.54% | 0.00% | 359 |
| Q4 2024 | $6.7M | $5.4M | $2.9M | $1.3M | $42K | 0.63% | 2.21% | 0.00% | 354 |
| Q3 2024 | $6.6M | $5.3M | $2.9M | $1.3M | $64K | 1.31% | 2.79% | 0.00% | 355 |
| Q2 2024 | $6.5M | $5.2M | $2.9M | $1.2M | $19K | 0.57% | 2.14% | 0.00% | 355 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.5% | 81.5% | 2th |
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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