| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +57.3% | +1.3% | +56.0 pts |
| Share growth (YoY) | +50.7% | +0.7% | +50.0 pts |
| Loan growth (YoY) | +157.3% | -2.4% | +159.7 pts |
| ROA | 48.48% | 0.60% | +47.9 pts |
| ROE | 296.5% | 4.1% | +292.4 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $1.1M | $156K | $213K | $158K | 48.48% | 2.40% | 5.00% | 404 |
| Q4 2025 | $627K | $549K | $150K | $55K | $-21K | -3.29% | 3.62% | 0.00% | 396 |
| Q3 2025 | $546K | $475K | $100K | $53K | $-23K | -5.66% | 4.17% | 0.00% | 387 |
| Q2 2025 | $532K | $482K | $82K | $41K | $-35K | -13.23% | 4.28% | 0.00% | 374 |
| Q1 2025 | $829K | $712K | $60K | $83K | $7K | 3.34% | 2.78% | 0.00% | 372 |
| Q4 2024 | $868K | $423K | $15K | $76K | $-491K | -56.49% | 1.72% | 0.00% | 359 |
| Q3 2024 | $341K | $112K | $10K | $210K | $-356K | -138.94% | 5.16% | 0.00% | 321 |
| Q2 2024 | $465K | $82K | $0 | $369K | $-198K | -84.98% | 4.33% | — | 278 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 48.48% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 296.5% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $149K · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.0% | 81.5% | 2th |
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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