| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.1 pts |
| Loan growth (YoY) | +10.1% | -2.4% | +12.5 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.1M | $538K | $368K | $9K | 1.39% | 2.91% | 0.00% | 275 |
| Q4 2025 | $2.4M | $2.1M | $453K | $359K | $30K | 1.25% | 3.04% | 0.00% | 281 |
| Q3 2025 | $2.4M | $2.0M | $513K | $353K | $24K | 1.35% | 2.97% | 0.00% | 277 |
| Q2 2025 | $2.4M | $2.0M | $543K | $345K | $16K | 1.35% | 3.05% | 0.00% | 276 |
| Q1 2025 | $2.4M | $2.0M | $489K | $334K | $5K | 0.77% | 3.11% | 0.00% | 277 |
| Q4 2024 | $2.4M | $2.0M | $565K | $329K | $53K | 2.21% | 4.00% | 0.00% | 276 |
| Q3 2024 | $2.4M | $2.1M | $590K | $318K | $42K | 2.34% | 4.01% | 0.00% | 277 |
| Q2 2024 | $2.4M | $2.1M | $541K | $303K | $27K | 2.22% | 3.97% | 0.00% | 276 |
Loan mix (Q1 2026): real estate $150K · commercial $0 · consumer $365K · securities $1.3M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 81.5% | 6th |
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.