| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +59.7% | +1.3% | +58.4 pts |
| Share growth (YoY) | +65.8% | +0.7% | +65.1 pts |
| Loan growth (YoY) | +19.8% | -2.4% | +22.2 pts |
| ROA | -0.56% | 0.60% | -1.2 pts |
| ROE | -7.9% | 4.1% | -12.0 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.0M | $8.3M | $4.6M | $635K | $-13K | -0.56% | 7.25% | 5.86% | 2,436 |
| Q4 2025 | $8.8M | $8.0M | $4.6M | $647K | $105K | 1.19% | 6.35% | 7.24% | 2,332 |
| Q3 2025 | $10.7M | $10.0M | $4.6M | $630K | $88K | 1.10% | 5.01% | 10.19% | 2,167 |
| Q2 2025 | $6.3M | $5.6M | $4.1M | $640K | $104K | 3.30% | 7.89% | 8.33% | 1,937 |
| Q1 2025 | $5.6M | $5.0M | $3.9M | $629K | $86K | 6.13% | 8.44% | 5.34% | 1,801 |
| Q4 2024 | $4.8M | $4.3M | $3.6M | $543K | $126K | 2.59% | 7.39% | 20.45% | 1,665 |
| Q3 2024 | $3.6M | $3.1M | $3.2M | $476K | $59K | 2.16% | 9.06% | 3.56% | 1,411 |
| Q2 2024 | $3.5M | $3.1M | $2.6M | $441K | $24K | 1.35% | 8.37% | 3.44% | 1,268 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.56% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -7.9% | 4.1% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $262K · consumer $4.4M · securities $60K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 77th |
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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