| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +10.9% | +0.7% | +10.2 pts |
| Loan growth (YoY) | -18.1% | -2.4% | -15.8 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.8M | $2.9M | $2.0M | $878K | $12K | 1.29% | 5.72% | 2.75% | 420 |
| Q4 2025 | $3.5M | $2.7M | $2.2M | $858K | $82K | 2.31% | 6.59% | 3.38% | 440 |
| Q3 2025 | $3.6M | $2.7M | $2.3M | $854K | $60K | 2.21% | 6.73% | 3.25% | 451 |
| Q2 2025 | $3.5M | $2.7M | $2.5M | $829K | $35K | 1.96% | 6.80% | 2.68% | 453 |
| Q1 2025 | $3.5M | $2.6M | $2.5M | $809K | $14K | 1.58% | 6.66% | 3.39% | 458 |
| Q4 2024 | $3.3M | $2.5M | $2.7M | $794K | $68K | 2.04% | 6.98% | 3.80% | 459 |
| Q3 2024 | $3.4M | $2.6M | $2.8M | $783K | $59K | 2.35% | 6.94% | 1.29% | 458 |
| Q2 2024 | $3.4M | $2.6M | $2.8M | $765K | $24K | 1.45% | 3.44% | 0.85% | 461 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $515K · commercial $0 · consumer $1.4M · securities $106K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42th |
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.