| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.7% | +1.3% | +15.4 pts |
| Share growth (YoY) | +13.8% | +0.7% | +13.1 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 6.53% | 0.60% | +5.9 pts |
| ROE | 55.6% | 4.1% | +51.5 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $277K | $245K | $66K | $33K | $5K | 6.53% | 0.25% | 18.64% | 182 |
| Q4 2025 | $244K | $221K | $72K | $23K | $-1K | -0.57% | 4.76% | 10.97% | 182 |
| Q3 2025 | $242K | $219K | $78K | $23K | $-9K | -4.81% | 4.44% | 12.55% | 182 |
| Q2 2025 | $263K | $241K | $63K | $22K | $-3K | -2.56% | 3.90% | 11.04% | 178 |
| Q1 2025 | $237K | $215K | $62K | $22K | $-915 | -1.54% | 5.92% | 4.93% | 177 |
| Q4 2024 | $235K | $204K | $66K | $31K | $-13K | -5.38% | 2.80% | 4.56% | 178 |
| Q3 2024 | $225K | $209K | $65K | $16K | $-6K | -3.60% | 2.44% | 2.19% | 176 |
| Q2 2024 | $202K | $183K | $70K | $19K | $-3K | -3.46% | 2.32% | 0.97% | 174 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $66K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 6.53% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 55.6% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 9.3% | 81.5% | 0th |
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.