| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +1.3% | +15.1 pts |
| Share growth (YoY) | +18.1% | +0.7% | +17.4 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.1M | $3.5M | $3.0M | $562K | $7K | 0.71% | 2.33% | 1.46% | 350 |
| Q4 2025 | $3.9M | $3.3M | $3.1M | $555K | $40K | 1.03% | 2.90% | 0.03% | 348 |
| Q3 2025 | $3.7M | $3.1M | $3.1M | $549K | $35K | 1.26% | 3.19% | 0.00% | 346 |
| Q2 2025 | $3.6M | $3.0M | $3.2M | $542K | $27K | 1.52% | 3.42% | 0.04% | 343 |
| Q1 2025 | $3.5M | $3.0M | $3.0M | $529K | $15K | 1.67% | 3.48% | 0.03% | 339 |
| Q4 2024 | $3.6M | $3.1M | $3.0M | $515K | $28K | 0.79% | 3.00% | 0.07% | 340 |
| Q3 2024 | $3.5M | $3.0M | $3.0M | $518K | $32K | 1.19% | 2.96% | 0.00% | 338 |
| Q2 2024 | $3.5M | $3.0M | $2.9M | $506K | $19K | 1.10% | 2.90% | 0.00% | 331 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $800K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 81.5% | 21th |
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.