| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.3 pts |
| Share growth (YoY) | +8.4% | +0.7% | +7.8 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 3.90% | 0.60% | +3.3 pts |
| ROE | 22.6% | 4.1% | +18.5 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $361K | $298K | $19K | $62K | $4K | 3.90% | 2.92% | 0.00% | 118 |
| Q4 2025 | $342K | $283K | $22K | $59K | $8K | 2.37% | 3.22% | 0.00% | 117 |
| Q3 2025 | $338K | $279K | $28K | $58K | $8K | 3.06% | 3.51% | 0.00% | 120 |
| Q2 2025 | $341K | $283K | $31K | $58K | $6K | 3.54% | 3.41% | 0.00% | 121 |
| Q1 2025 | $329K | $275K | $20K | $54K | $2K | 2.41% | 3.51% | 0.00% | 121 |
| Q4 2024 | $318K | $266K | $17K | $52K | $12K | 3.85% | 3.44% | 0.00% | 120 |
| Q3 2024 | $315K | $266K | $21K | $49K | $9K | 3.78% | 3.63% | 0.00% | 121 |
| Q2 2024 | $316K | $271K | $22K | $45K | $5K | 3.29% | 3.43% | 0.00% | 121 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $18K · securities $130K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.90% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 22.3% | 81.5% | 1th |
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.