| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.4 pts |
| ROA | 3.67% | 0.60% | +3.1 pts |
| ROE | 37.0% | 4.1% | +32.9 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 | $2.0M | $1.7M | $886K | $194K | $18K | 3.67% | 4.67% | 6.24% | 418 |
| Q4 2025 | $1.9M | $1.6M | $928K | $176K | $61K | 3.19% | 4.78% | 8.61% | 402 |
| Q3 2025 | $1.7M | $1.6M | $893K | $167K | $61K | 4.68% | 5.20% | 5.68% | 409 |
| Q2 2025 | $2.0M | $1.7M | $836K | $153K | $32K | 3.21% | 4.54% | 6.04% | 405 |
| Q1 2025 | $1.9M | $1.6M | $835K | $136K | $15K | 3.16% | 4.56% | 6.20% | 395 |
| Q4 2024 | $1.6M | $1.5M | $789K | $121K | $20K | 1.25% | 4.68% | 6.87% | 406 |
| Q3 2024 | $1.5M | $1.4M | $776K | $113K | $12K | 1.01% | 4.73% | 6.41% | 397 |
| Q2 2024 | $1.5M | $1.4M | $710K | $109K | $8K | 1.01% | 4.70% | 5.53% | 398 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $827K · securities $603K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.67% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 37.0% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 81.5% | 9th |
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.