| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.2 pts |
| Loan growth (YoY) | +7.3% | -2.4% | +9.7 pts |
| ROA | 1.47% | 0.60% | +0.9 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.2M | $1.8M | $1.0M | $19K | 1.47% | 4.86% | 1.74% | 667 |
| Q4 2025 | $5.0M | $3.9M | $2.0M | $1.0M | $47K | 0.95% | 5.17% | 1.65% | 669 |
| Q3 2025 | $4.7M | $3.5M | $1.9M | $1.1M | $89K | 2.56% | 5.91% | 3.01% | 679 |
| Q2 2025 | $5.4M | $4.3M | $1.8M | $1.0M | $56K | 2.08% | 5.02% | 0.00% | 669 |
| Q1 2025 | $5.2M | $4.1M | $1.7M | $1.0M | $30K | 2.32% | 5.17% | 0.44% | 665 |
| Q4 2024 | $4.8M | $3.7M | $1.7M | $974K | $89K | 1.88% | 5.44% | 0.00% | 664 |
| Q3 2024 | $4.7M | $3.6M | $1.8M | $980K | $69K | 1.96% | 5.93% | 0.70% | 656 |
| Q2 2024 | $5.5M | $4.5M | $1.7M | $944K | $60K | 2.15% | 4.87% | 1.08% | 657 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 81.5% | 8th |
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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