| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.4 pts |
| Loan growth (YoY) | +33.4% | -2.4% | +35.8 pts |
| ROA | 1.66% | 0.60% | +1.1 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $920K | $371K | $383K | $5K | 1.66% | 5.28% | 1.51% | 289 |
| Q4 2025 | $1.4M | $974K | $407K | $378K | $11K | 0.79% | 4.02% | 1.55% | 289 |
| Q3 2025 | $1.4M | $985K | $273K | $375K | $11K | 1.12% | 4.12% | 2.93% | 287 |
| Q2 2025 | $1.3M | $948K | $288K | $370K | $-3K | -0.41% | 3.61% | 2.60% | 288 |
| Q1 2025 | $1.3M | $956K | $278K | $371K | $4K | 1.09% | 4.60% | 3.50% | 291 |
| Q4 2024 | $1.3M | $942K | $300K | $367K | $17K | 1.28% | 4.05% | 2.04% | 285 |
| Q3 2024 | $1.3M | $939K | $318K | $366K | $15K | 1.57% | 4.43% | 2.49% | 284 |
| Q2 2024 | $1.3M | $909K | $327K | $364K | $14K | 2.15% | 4.82% | 2.20% | 282 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $371K · securities $700K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 81.5% | 24th |
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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