| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.1 pts |
| Loan growth (YoY) | +42.7% | -2.4% | +45.0 pts |
| ROA | 1.37% | 0.60% | +0.8 pts |
| ROE | 4.9% | 4.1% | +0.8 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 | $816K | $536K | $157K | $228K | $3K | 1.37% | 2.45% | 2.95% | 255 |
| Q4 2025 | $747K | $477K | $136K | $225K | $14K | 1.85% | 4.24% | 0.00% | 248 |
| Q3 2025 | $752K | $482K | $135K | $222K | $11K | 1.95% | 4.15% | 0.00% | 247 |
| Q2 2025 | $746K | $480K | $146K | $218K | $7K | 1.90% | 4.09% | 0.82% | 243 |
| Q1 2025 | $765K | $503K | $110K | $214K | $3K | 1.40% | 3.94% | 2.32% | 239 |
| Q4 2024 | $707K | $492K | $92K | $211K | $24K | 3.40% | 5.32% | 0.00% | 241 |
| Q3 2024 | $729K | $511K | $92K | $209K | $22K | 3.97% | 5.41% | 0.00% | 257 |
| Q2 2024 | $807K | $598K | $100K | $202K | $15K | 3.82% | 4.94% | 0.73% | 256 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $157K · securities $310K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.0% | 81.5% | 3th |
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.