| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +1.3% | +11.1 pts |
| Share growth (YoY) | +14.9% | +0.7% | +14.3 pts |
| Loan growth (YoY) | +12.6% | -2.4% | +14.9 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.5M | $7.2M | $5.1M | $1.3M | $726 | 0.03% | 1.99% | 0.00% | 742 |
| Q4 2025 | $8.2M | $6.9M | $5.0M | $1.3M | $12K | 0.14% | 1.67% | 0.66% | 753 |
| Q3 2025 | $7.9M | $6.7M | $4.8M | $1.2M | $7K | 0.11% | 1.73% | 0.11% | 755 |
| Q2 2025 | $7.6M | $6.3M | $4.7M | $1.2M | $4K | 0.11% | 1.71% | 0.00% | 749 |
| Q1 2025 | $7.6M | $6.3M | $4.5M | $1.2M | $2K | 0.11% | 1.76% | 0.22% | 751 |
| Q4 2024 | $7.0M | $5.8M | $4.7M | $1.2M | $4K | 0.06% | 1.93% | 0.00% | 752 |
| Q3 2024 | $6.9M | $5.6M | $4.9M | $1.2M | $3K | 0.07% | 2.09% | 0.00% | 741 |
| Q2 2024 | $6.6M | $5.3M | $4.9M | $1.2M | $2K | 0.06% | 2.00% | 0.36% | 733 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 81.5% | 58th |
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.