| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -4.3% | +0.7% | -4.9 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.8 pts |
| ROA | 3.97% | 0.60% | +3.4 pts |
| ROE | 15.2% | 4.1% | +11.1 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 | $2.3M | $1.7M | $1.6M | $608K | $23K | 3.97% | 3.26% | 1.37% | 996 |
| Q4 2025 | $2.3M | $1.7M | $1.7M | $585K | $87K | 3.70% | 3.32% | 1.03% | 987 |
| Q3 2025 | $2.4M | $1.8M | $1.8M | $567K | $68K | 3.80% | 3.18% | 0.00% | 985 |
| Q2 2025 | $2.2M | $1.6M | $1.6M | $545K | $46K | 4.26% | 3.47% | 0.72% | 996 |
| Q1 2025 | $2.3M | $1.8M | $1.5M | $521K | $23K | 3.97% | 3.17% | 0.00% | 993 |
| Q4 2024 | $2.3M | $1.8M | $1.6M | $498K | $70K | 3.04% | 3.41% | 0.00% | 992 |
| Q3 2024 | $2.3M | $1.8M | $1.8M | $475K | $47K | 2.67% | 3.35% | 1.39% | 991 |
| Q2 2024 | $2.3M | $1.8M | $1.7M | $466K | $38K | 3.29% | 3.23% | 4.49% | 993 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.97% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $438
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.8% | 81.5% | 1th |
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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