| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +6.6% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -2.0 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.0M | $5.2M | $3.3M | $722K | $9K | 0.62% | 3.42% | 2.78% | 651 |
| Q4 2025 | $5.8M | $5.1M | $3.3M | $713K | $15K | 0.26% | 3.09% | 0.66% | 648 |
| Q3 2025 | $5.7M | $4.9M | $3.3M | $754K | $56K | 1.32% | 3.51% | 2.17% | 645 |
| Q2 2025 | $5.7M | $5.0M | $3.6M | $735K | $37K | 1.30% | 3.41% | 0.36% | 646 |
| Q1 2025 | $5.6M | $4.9M | $3.4M | $709K | $11K | 0.79% | 3.21% | 0.20% | 648 |
| Q4 2024 | $5.4M | $4.7M | $3.4M | $698K | $7K | 0.13% | 3.44% | 0.45% | 650 |
| Q3 2024 | $5.3M | $4.5M | $3.5M | $748K | $55K | 1.39% | 3.96% | 2.21% | 641 |
| Q2 2024 | $5.0M | $4.2M | $3.4M | $746K | $56K | 2.25% | 4.53% | 0.29% | 640 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $444K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 81.5% | 51th |
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.