| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 1.71% | 0.60% | +1.1 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.4M | $1.5M | $384K | $8K | 1.71% | 6.50% | 13.57% | 250 |
| Q4 2025 | $1.8M | $1.5M | $1.5M | $377K | $36K | 1.98% | 6.48% | 14.20% | 260 |
| Q3 2025 | $1.8M | $1.5M | $1.5M | $366K | $26K | 1.88% | 6.29% | 23.88% | 268 |
| Q2 2025 | $1.8M | $1.4M | $1.4M | $355K | $15K | 1.62% | 6.57% | 15.47% | 265 |
| Q1 2025 | $1.8M | $1.4M | $1.5M | $347K | $6K | 1.44% | 6.44% | 12.75% | 272 |
| Q4 2024 | $1.8M | $1.5M | $1.6M | $340K | $36K | 1.99% | 6.61% | 17.22% | 286 |
| Q3 2024 | $1.8M | $1.5M | $1.5M | $333K | $29K | 2.13% | 6.70% | 11.45% | 291 |
| Q2 2024 | $1.8M | $1.5M | $1.6M | $324K | $20K | 2.17% | 6.68% | 9.92% | 291 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $393K · commercial $0 · consumer $1.0M · securities $207K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 37th |
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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