| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +54.7% | +1.3% | +53.4 pts |
| Share growth (YoY) | +67.4% | +0.7% | +66.8 pts |
| Loan growth (YoY) | +74.3% | -2.4% | +76.7 pts |
| ROA | 1.46% | 0.60% | +0.9 pts |
| ROE | 18.1% | 4.1% | +14.0 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 | $908K | $828K | $526K | $73K | $3K | 1.46% | 4.61% | 2.36% | 167 |
| Q4 2025 | $890K | $810K | $424K | $70K | $15K | 1.65% | 4.07% | 2.95% | 182 |
| Q3 2025 | $610K | $520K | $310K | $60K | $4K | 0.98% | 5.23% | 2.52% | 185 |
| Q2 2025 | $576K | $480K | $301K | $55K | $2K | 0.82% | 5.71% | 4.43% | 168 |
| Q1 2025 | $587K | $494K | $302K | $53K | $-193 | -0.13% | 4.85% | 0.00% | 167 |
| Q4 2024 | $478K | $383K | $310K | $53K | $10K | 2.08% | 3.81% | 0.00% | 167 |
| Q3 2024 | $523K | $387K | $294K | $52K | $9K | 2.24% | 5.02% | 0.00% | 172 |
| Q2 2024 | $451K | $387K | $285K | $48K | $8K | 3.35% | 5.46% | 0.00% | 171 |
Loan mix (Q1 2026): real estate $109K · commercial $0 · consumer $417K · securities $45K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 81.5% | 27th |
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.