| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.6% | +1.3% | -14.9 pts |
| Share growth (YoY) | -17.2% | +0.7% | -17.9 pts |
| Loan growth (YoY) | +19.4% | -2.4% | +21.8 pts |
| ROA | 2.61% | 0.60% | +2.0 pts |
| ROE | 30.9% | 4.1% | +26.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $174K | $158K | $45K | $15K | $1K | 2.61% | 5.11% | 2.88% | 189 |
| Q4 2025 | $176K | $161K | $52K | $14K | $4K | 2.12% | 4.30% | 0.85% | 167 |
| Q3 2025 | $194K | $180K | $57K | $13K | $2K | 1.66% | 3.67% | 2.89% | 186 |
| Q2 2025 | $196K | $184K | $50K | $11K | $550 | 0.56% | 3.05% | 3.37% | 190 |
| Q1 2025 | $202K | $191K | $38K | $10K | $-472 | -0.94% | 2.63% | 0.00% | 183 |
| Q4 2024 | $194K | $182K | $27K | $10K | $-5K | -2.83% | 2.11% | 2.97% | 182 |
| Q3 2024 | $195K | $183K | $17K | $17K | $-6K | -4.38% | 2.07% | 7.03% | 162 |
| Q2 2024 | $197K | $185K | $13K | $17K | $-5K | -4.81% | 2.24% | 28.50% | 170 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $40K · securities $74K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.61% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 30.9% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 81.5% | 9th |
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.