| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +9.1% | +0.7% | +8.5 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $5.0M | $1.8M | $792K | $16K | 1.10% | 4.39% | 0.09% | 680 |
| Q4 2025 | $5.6M | $4.8M | $1.8M | $776K | $87K | 1.56% | 4.71% | 0.47% | 684 |
| Q3 2025 | $5.4M | $4.6M | $1.8M | $765K | $75K | 1.86% | 4.86% | 0.18% | 686 |
| Q2 2025 | $5.4M | $4.7M | $1.8M | $740K | $51K | 1.89% | 4.85% | 0.00% | 686 |
| Q1 2025 | $5.3M | $4.6M | $1.8M | $714K | $25K | 1.84% | 4.92% | 0.14% | 683 |
| Q4 2024 | $5.3M | $4.6M | $1.8M | $689K | $102K | 1.92% | 5.21% | 0.13% | 714 |
| Q3 2024 | $5.1M | $4.4M | $1.9M | $682K | $95K | 2.49% | 5.52% | 0.12% | 687 |
| Q2 2024 | $5.4M | $4.6M | $2.1M | $654K | $67K | 2.45% | 5.29% | 0.50% | 698 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $45K · commercial $0 · consumer $1.7M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 81.5% | 41th |
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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