| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.0 pts |
| Loan growth (YoY) | +16.1% | -2.4% | +18.4 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.2M | $4.1M | $3.7M | $1.0M | $14K | 1.07% | 3.84% | 0.82% | 692 |
| Q4 2025 | $5.1M | $3.9M | $3.5M | $1.0M | $82K | 1.62% | 4.52% | 1.00% | 685 |
| Q3 2025 | $5.1M | $4.0M | $3.5M | $1.0M | $57K | 1.49% | 4.48% | 0.98% | 673 |
| Q2 2025 | $5.0M | $3.9M | $3.2M | $976K | $27K | 1.08% | 4.31% | 1.52% | 672 |
| Q1 2025 | $4.8M | $3.8M | $3.2M | $959K | $9K | 0.78% | 4.14% | 2.42% | 672 |
| Q4 2024 | $4.7M | $3.7M | $3.1M | $949K | $54K | 1.15% | 4.58% | 1.55% | 671 |
| Q3 2024 | $4.8M | $3.8M | $3.2M | $941K | $46K | 1.27% | 4.49% | 2.59% | 667 |
| Q2 2024 | $4.7M | $3.7M | $3.3M | $926K | $31K | 1.34% | 4.43% | 1.47% | 664 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $950K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 81.5% | 15th |
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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