| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.9% | +1.3% | +25.6 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 2.07% | 0.60% | +1.5 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.4M | $729K | $408K | $546K | $7K | 2.07% | 4.01% | 0.51% | 151 |
| Q4 2025 | $1.4M | $674K | $381K | $538K | $12K | 0.88% | 3.83% | 0.00% | 248 |
| Q3 2025 | $1.2M | $690K | $386K | $486K | $10K | 1.04% | 4.35% | 11.47% | 144 |
| Q2 2025 | $1.4M | $795K | $365K | $432K | $6K | 0.83% | 3.80% | 0.20% | 248 |
| Q1 2025 | $1.1M | $720K | $398K | $428K | $2K | 0.80% | 4.62% | 0.00% | 245 |
| Q4 2024 | $1.1M | $692K | $426K | $426K | $13K | 1.17% | 4.67% | 0.00% | 253 |
| Q3 2024 | $1.1M | $679K | $480K | $422K | $9K | 1.11% | 4.80% | 0.00% | 252 |
| Q2 2024 | $1.1M | $673K | $421K | $416K | $4K | 0.62% | 4.62% | 0.00% | 256 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $312K · securities $522K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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.