| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +1.3% | +16.4 pts |
| Share growth (YoY) | +23.9% | +0.7% | +23.2 pts |
| Loan growth (YoY) | +35.7% | -2.4% | +38.1 pts |
| ROA | 2.00% | 0.60% | +1.4 pts |
| ROE | 8.8% | 4.1% | +4.7 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.2M | $1.5M | $500K | $493K | $11K | 2.00% | 3.39% | 0.31% | 912 |
| Q4 2025 | $1.8M | $1.3M | $441K | $482K | $32K | 1.81% | 4.27% | 0.00% | 907 |
| Q3 2025 | $1.8M | $1.3M | $369K | $479K | $29K | 2.07% | 4.28% | 6.08% | 886 |
| Q2 2025 | $1.9M | $1.3M | $400K | $467K | $17K | 1.79% | 4.20% | 0.63% | 886 |
| Q1 2025 | $1.9M | $1.2M | $368K | $457K | $7K | 1.41% | 4.33% | 0.17% | 879 |
| Q4 2024 | $1.7M | $1.3M | $396K | $450K | $58K | 3.36% | 4.72% | 0.87% | 870 |
| Q3 2024 | $1.8M | $1.3M | $352K | $437K | $45K | 3.30% | 4.62% | 1.59% | 857 |
| Q2 2024 | $1.6M | $1.1M | $347K | $425K | $33K | 4.07% | 5.24% | 1.82% | 856 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $358K · securities $1.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 81.5% | 45th |
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.