| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +1.3% | +9.8 pts |
| Share growth (YoY) | +11.8% | +0.7% | +11.1 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $446K | $371K | $27K | $71K | $648 | 0.58% | 4.17% | 0.00% | 273 |
| Q4 2025 | $417K | $340K | $30K | $71K | $4K | 1.05% | 3.76% | 0.00% | 242 |
| Q3 2025 | $416K | $343K | $33K | $66K | $221 | 0.07% | 3.86% | 10.60% | 264 |
| Q2 2025 | $397K | $323K | $21K | $68K | $1K | 0.69% | 4.04% | 2.15% | 257 |
| Q1 2025 | $402K | $332K | $26K | $68K | $1K | 1.38% | 4.62% | 1.94% | 265 |
| Q4 2024 | $381K | $312K | $36K | $66K | $10K | 2.58% | 4.49% | 2.35% | 268 |
| Q3 2024 | $375K | $309K | $27K | $64K | $7K | 2.64% | 4.79% | 3.56% | 261 |
| Q2 2024 | $401K | $336K | $32K | $64K | $7K | 3.71% | 4.75% | 8.46% | 262 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23K · securities $270K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 81.5% | 72th |
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.