| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.2% | +1.3% | -8.5 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.2 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 4.24% | 0.60% | +3.6 pts |
| ROE | 30.3% | 4.1% | +26.2 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 | $910K | $783K | $500K | $127K | $10K | 4.24% | 6.37% | 10.09% | 233 |
| Q4 2025 | $902K | $784K | $496K | $118K | $20K | 2.21% | 4.07% | 10.17% | 225 |
| Q3 2025 | $905K | $753K | $517K | $152K | $40K | 5.83% | 7.82% | 4.72% | 231 |
| Q2 2025 | $895K | $755K | $535K | $140K | $28K | 6.24% | 8.05% | 4.58% | 224 |
| Q1 2025 | $980K | $856K | $521K | $125K | $12K | 4.89% | 7.21% | 2.69% | 231 |
| Q4 2024 | $1.0M | $893K | $547K | $113K | $34K | 3.36% | 5.08% | 1.34% | 228 |
| Q3 2024 | $994K | $848K | $549K | $146K | $40K | 5.33% | 7.07% | 1.34% | 221 |
| Q2 2024 | $987K | $858K | $535K | $130K | $23K | 4.67% | 6.33% | 1.42% | 215 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.24% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 30.3% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $275K · securities $356K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.5% | 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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