| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -6.9% | -2.4% | -4.6 pts |
| ROA | 2.93% | 0.60% | +2.3 pts |
| ROE | 13.4% | 4.1% | +9.3 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.4M | $626K | $400K | $13K | 2.93% | 7.17% | 0.00% | 107 |
| Q4 2025 | $1.7M | $1.3M | $793K | $386K | $2K | 0.11% | 6.10% | 0.00% | 113 |
| Q3 2025 | $1.7M | $1.3M | $682K | $393K | $9K | 0.67% | 5.58% | 6.60% | 116 |
| Q2 2025 | $1.8M | $1.4M | $737K | $392K | $7K | 0.84% | 5.57% | 0.00% | 123 |
| Q1 2025 | $1.8M | $1.4M | $672K | $395K | $10K | 2.17% | 6.81% | 0.00% | 125 |
| Q4 2024 | $1.7M | $1.3M | $691K | $385K | $21K | 1.26% | 7.00% | 5.00% | 127 |
| Q3 2024 | $1.7M | $1.3M | $836K | $383K | $20K | 1.56% | 6.43% | 5.82% | 129 |
| Q2 2024 | $1.7M | $1.3M | $844K | $376K | $12K | 1.44% | 6.27% | 0.00% | 129 |
Loan mix (Q1 2026): real estate $0 · commercial $243K · consumer $188K · securities $456K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.93% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 81.5% | 13th |
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.