| Metric | My Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 0.21% | 0.60% | -0.4 pts |
| ROE | 1.7% | 4.1% | -2.4 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.9M | $51.1M | $29.3M | $7.3M | $31K | 0.21% | 5.94% | 0.35% | 6,441 |
| Q4 2025 | $55.2M | $47.7M | $29.0M | $6.6M | $516K | 0.93% | 4.74% | 0.36% | 5,404 |
| Q3 2025 | $56.1M | $49.1M | $29.7M | $6.5M | $401K | 0.95% | 4.60% | 0.50% | 5,421 |
| Q2 2025 | $56.3M | $49.3M | $29.3M | $6.5M | $379K | 1.35% | 4.58% | 1.74% | 5,764 |
| Q1 2025 | $56.1M | $49.0M | $28.9M | $6.3M | $194K | 1.38% | 4.54% | 0.94% | 5,551 |
| Q4 2024 | $54.3M | $47.2M | $28.4M | $6.1M | $786K | 1.45% | 4.94% | 0.83% | 5,592 |
| Q3 2024 | $54.4M | $47.6M | $28.1M | $5.9M | $571K | 1.40% | 4.97% | 0.55% | 5,591 |
| Q2 2024 | $54.9M | $48.4M | $27.8M | $5.7M | $336K | 1.23% | 4.84% | 0.66% |
| Ratio | My Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,686 |
Loan mix (Q1 2026): real estate $9.1M · commercial $0 · consumer $18.1M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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 | My Credit Union | 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.