| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.1 pts |
| ROA | 2.94% | 0.60% | +2.3 pts |
| ROE | 26.1% | 4.1% | +22.0 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.2M | $1.0M | $585K | $130K | $8K | 2.94% | 3.58% | 0.00% | 158 |
| Q4 2025 | $1.2M | $1.0M | $618K | $145K | $24K | 2.04% | 2.93% | 0.00% | 155 |
| Q3 2025 | $1.2M | $1.0M | $610K | $125K | $20K | 2.24% | 3.12% | 0.17% | 156 |
| Q2 2025 | $1.2M | $1.1M | $608K | $121K | $2K | 0.39% | 1.45% | 0.28% | 159 |
| Q1 2025 | $1.1M | $1.0M | $593K | $126K | $10K | 3.45% | 4.14% | 0.00% | 158 |
| Q4 2024 | $1.2M | $1.0M | $563K | $116K | $2K | 0.14% | 0.16% | 0.00% | 158 |
| Q3 2024 | $1.2M | $1.1M | $634K | $118K | $24K | 2.67% | 3.52% | 0.00% | 158 |
| Q2 2024 | $1.2M | $1.1M | $515K | $108K | $12K | 1.96% | 2.71% | 0.00% | 1 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $479K · securities $438K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 18.7% | 81.5% | 0th |
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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