| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +1.3% | -3.8 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | +28.5% | -2.4% | +30.9 pts |
| ROA | 2.07% | 0.60% | +1.5 pts |
| ROE | 11.4% | 4.1% | +7.2 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.4M | $6.8M | $3.6M | $1.5M | $44K | 2.07% | 5.33% | 6.64% | 2,116 |
| Q4 2025 | $8.4M | $6.8M | $3.4M | $1.5M | $180K | 2.15% | 5.43% | 7.08% | 2,087 |
| Q3 2025 | $8.3M | $6.7M | $3.1M | $1.5M | $186K | 2.99% | 5.48% | 7.26% | 2,180 |
| Q2 2025 | $8.3M | $6.7M | $3.0M | $1.5M | $165K | 3.99% | 9.27% | 5.97% | 3,688 |
| Q1 2025 | $8.7M | $7.0M | $2.8M | $1.4M | $125K | 5.76% | 5.03% | 4.56% | 2,043 |
| Q4 2024 | $7.9M | $6.6M | $2.7M | $1.3M | $183K | 2.30% | 5.48% | 6.60% | 2,042 |
| Q3 2024 | $8.2M | $6.8M | $2.6M | $1.3M | $165K | 2.68% | 5.34% | 2.11% | 2,039 |
| Q2 2024 | $8.4M | $7.0M | $2.8M | $1.2M | $97K | 2.29% | 5.16% | 1.39% | 2,037 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 81.5% | 46th |
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% |
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