| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.3 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.9 pts |
| ROA | 2.15% | 0.60% | +1.5 pts |
| ROE | 14.1% | 4.1% | +10.0 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.7M | $5.7M | $5.6M | $1.0M | $36K | 2.15% | 4.90% | 5.80% | 987 |
| Q4 2025 | $6.6M | $5.6M | $5.6M | $990K | $13K | 0.20% | 4.86% | 5.20% | 969 |
| Q3 2025 | $6.6M | $5.5M | $5.6M | $1.0M | $24K | 0.48% | 5.00% | 3.52% | 909 |
| Q2 2025 | $6.5M | $5.5M | $5.7M | $1.0M | $29K | 0.89% | 4.91% | 3.92% | 956 |
| Q1 2025 | $6.4M | $5.4M | $5.4M | $971K | $-6K | -0.38% | 4.87% | 2.42% | 946 |
| Q4 2024 | $6.1M | $5.2M | $5.3M | $977K | $22K | 0.36% | 4.25% | 4.98% | 937 |
| Q3 2024 | $6.2M | $5.2M | $5.1M | $956K | $2K | 0.04% | 4.19% | 3.05% | 940 |
| Q2 2024 | $6.3M | $5.4M | $5.0M | $940K | $-15K | -0.47% | 3.71% | 3.39% | 943 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $413K · commercial $0 · consumer $3.9M · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 81.5% | 12th |
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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