| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +1.3% | +17.6 pts |
| Share growth (YoY) | +21.9% | +0.7% | +21.3 pts |
| Loan growth (YoY) | +9.0% | -2.4% | +11.4 pts |
| ROA | 1.02% | 0.60% | +0.4 pts |
| ROE | 8.7% | 4.1% | +4.6 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $1.1M | $862K | $147K | $3K | 1.02% | 2.23% | 0.00% | 165 |
| Q4 2025 | $1.2M | $1.0M | $879K | $143K | $11K | 0.94% | 2.81% | 0.00% | 165 |
| Q3 2025 | $1.1M | $998K | $875K | $152K | $8K | 0.96% | 2.97% | 0.00% | 165 |
| Q2 2025 | $1.1M | $971K | $793K | $151K | $9K | 1.66% | 3.12% | 0.00% | 171 |
| Q1 2025 | $1.0M | $903K | $791K | $146K | $4K | 1.58% | 3.00% | 0.00% | 172 |
| Q4 2024 | $994K | $861K | $765K | $132K | $5K | 0.51% | 3.15% | 0.00% | 173 |
| Q3 2024 | $1.1M | $899K | $793K | $156K | $9K | 1.13% | 3.27% | 0.00% | 174 |
| Q2 2024 | $1.1M | $937K | $874K | $154K | $17K | 3.14% | 4.96% | 0.16% | 191 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $36K · securities $55K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 81.5% | 7th |
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.