| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -2.3% | +0.7% | -2.9 pts |
| Loan growth (YoY) | +1704.2% | -2.4% | +1706.5 pts |
| ROA | 1.99% | 0.60% | +1.4 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.0M | $1.5M | $32K | $525K | $10K | 1.99% | 1.33% | 0.00% | 58 |
| Q4 2025 | $1.8M | $1.2M | $34K | $515K | $59K | 3.32% | 2.25% | 0.00% | 65 |
| Q3 2025 | $1.9M | $1.4M | $541 | $496K | $40K | 2.79% | 2.02% | 0.00% | 53 |
| Q2 2025 | $2.2M | $1.7M | $1K | $483K | $27K | 2.50% | 1.82% | 0.00% | 51 |
| Q1 2025 | $2.0M | $1.5M | $2K | $468K | $9K | 1.87% | 1.99% | 0.00% | 50 |
| Q4 2024 | $1.8M | $1.4M | $2K | $456K | $60K | 3.28% | 2.82% | 0.00% | 46 |
| Q3 2024 | $1.9M | $1.5M | $3K | $437K | $41K | 2.84% | 2.37% | 0.00% | 45 |
| Q2 2024 | $1.8M | $1.4M | $0 | $423K | $27K | 2.97% | 2.47% | — | 43 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $32K · securities $1.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 24.6% | 81.5% | 1th |
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.