| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.6% | +1.3% | -6.9 pts |
| Share growth (YoY) | -14.1% | +0.7% | -14.8 pts |
| Loan growth (YoY) | -8.0% | -2.4% | -5.7 pts |
| ROA | 3.62% | 0.60% | +3.0 pts |
| ROE | 8.6% | 4.1% | +4.5 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 | $1.1M | $621K | $408K | $446K | $10K | 3.62% | 4.56% | 1.27% | 238 |
| Q4 2025 | $1.0M | $610K | $427K | $437K | $36K | 3.46% | 5.01% | 0.78% | 238 |
| Q3 2025 | $1.0M | $611K | $425K | $429K | $28K | 3.65% | 5.34% | 0.00% | 239 |
| Q2 2025 | $1.1M | $710K | $436K | $418K | $17K | 3.05% | 4.94% | 0.12% | 237 |
| Q1 2025 | $1.1M | $723K | $444K | $408K | $8K | 2.66% | 5.04% | 0.18% | 236 |
| Q4 2024 | $1.1M | $700K | $466K | $400K | $38K | 3.44% | 5.24% | 0.70% | 236 |
| Q3 2024 | $1.2M | $765K | $448K | $388K | $26K | 2.99% | 5.03% | 0.00% | 237 |
| Q2 2024 | $1.2M | $815K | $342K | $382K | $19K | 3.21% | 4.78% | 0.00% | 237 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $331K · securities $425K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.62% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 21.4% | 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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