| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +4.7% | -2.4% | +7.1 pts |
| ROA | 1.95% | 0.60% | +1.3 pts |
| ROE | 14.5% | 4.1% | +10.4 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 | $1.8M | $1.5M | $379K | $236K | $9K | 1.95% | 3.73% | 0.71% | 788 |
| Q4 2025 | $1.8M | $1.5M | $400K | $227K | $36K | 2.04% | 4.15% | 0.00% | 775 |
| Q3 2025 | $1.8M | $1.5M | $378K | $220K | $28K | 2.14% | 4.26% | 0.52% | 746 |
| Q2 2025 | $1.8M | $1.6M | $395K | $211K | $20K | 2.26% | 4.08% | 1.19% | 739 |
| Q1 2025 | $1.7M | $1.5M | $362K | $198K | $6K | 1.50% | 3.63% | 0.00% | 712 |
| Q4 2024 | $1.6M | $1.4M | $333K | $191K | $64K | 3.92% | 4.58% | 4.81% | 708 |
| Q3 2024 | $1.7M | $1.5M | $314K | $183K | $55K | 4.34% | 4.44% | 2.45% | 699 |
| Q2 2024 | $1.5M | $1.4M | $330K | $166K | $39K | 5.13% | 4.79% | 3.14% | 683 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $379K · securities $700K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 81.5% | 4th |
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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