| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +13.9% | -2.4% | +16.3 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.2M | $3.1M | $1.9M | $1.1M | $10K | 0.96% | 4.45% | 0.00% | 712 |
| Q4 2025 | $4.1M | $3.0M | $1.9M | $1.1M | $61K | 1.48% | 4.43% | 0.18% | 714 |
| Q3 2025 | $4.1M | $3.0M | $1.8M | $1.1M | $51K | 1.65% | 4.35% | 0.23% | 714 |
| Q2 2025 | $4.1M | $3.0M | $1.7M | $1.1M | $42K | 2.04% | 4.25% | 0.36% | 720 |
| Q1 2025 | $4.0M | $3.0M | $1.6M | $1.0M | $8K | 0.80% | 4.16% | 1.36% | 721 |
| Q4 2024 | $4.1M | $3.0M | $1.7M | $1.0M | $35K | 0.86% | 4.07% | 3.46% | 720 |
| Q3 2024 | $4.2M | $3.1M | $1.7M | $1.0M | $16K | 0.52% | 3.91% | 3.10% | 720 |
| Q2 2024 | $4.4M | $3.3M | $1.7M | $1.0M | $13K | 0.59% | 3.71% | 1.99% | 728 |
Loan mix (Q1 2026): real estate $22K · commercial $0 · consumer $1.6M · securities $2.1M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 81.5% | 45th |
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.