| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.9% | +3.4 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +19.1% | +2.9% | +16.2 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $344.2M | $314.6M | $198.9M | $36.1M | $267K | 0.31% | 3.32% | 1.13% | 20,066 |
| Q4 2025 | $339.3M | $309.8M | $186.8M | $35.8M | $1.2M | 0.35% | 2.98% | 1.01% | 19,668 |
| Q3 2025 | $322.4M | $293.7M | $178.6M | $35.7M | $1.1M | 0.44% | 3.07% | 1.14% | 19,354 |
| Q2 2025 | $320.8M | $293.8M | $171.2M | $34.8M | $241K | 0.15% | 2.92% | 0.91% | 19,070 |
| Q1 2025 | $320.9M | $295.9M | $167.0M | $34.7M | $-129K | -0.16% | 2.73% | 0.59% | 18,846 |
| Q4 2024 | $303.7M | $280.1M | $163.3M | $34.8M | $441K | 0.15% | 2.77% | 1.12% | 18,610 |
| Q3 2024 | $297.0M | $270.8M | $160.3M | $34.7M | $351K | 0.16% | 2.79% | 1.13% | 18,417 |
| Q2 2024 | $291.3M | $267.3M | $154.4M | $34.4M | $56K | 0.04% | 2.78% |
| Ratio | Net Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 18,114 |
Loan mix (Q1 2026): real estate $89.1M · commercial $0 · consumer $95.1M · securities $87.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 78.7% | 79th |
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 | Net Federal 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 | Net Federal 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 | Net Federal 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 | Net Federal 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.