| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.1 pts |
| Loan growth (YoY) | -10.6% | -2.4% | -8.2 pts |
| ROA | 1.95% | 0.60% | +1.3 pts |
| ROE | 14.2% | 4.1% | +10.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.7M | $4.0M | $2.4M | $643K | $23K | 1.95% | 3.60% | 0.00% | 842 |
| Q4 2025 | $4.5M | $3.8M | $2.5M | $638K | $36K | 0.80% | 3.67% | 0.23% | 830 |
| Q3 2025 | $4.5M | $3.9M | $2.6M | $642K | $33K | 0.99% | 4.08% | 0.62% | 822 |
| Q2 2025 | $4.5M | $3.8M | $2.7M | $637K | $36K | 1.60% | 4.30% | 0.10% | 825 |
| Q1 2025 | $4.4M | $3.7M | $2.7M | $602K | $7K | 0.63% | 4.06% | 0.00% | 834 |
| Q4 2024 | $4.3M | $3.7M | $2.7M | $566K | $36K | 0.83% | 3.64% | 0.13% | 826 |
| Q3 2024 | $4.4M | $3.8M | $2.9M | $584K | $18K | 0.56% | 3.40% | 0.00% | 822 |
| Q2 2024 | $4.5M | $3.9M | $3.0M | $579K | $13K | 0.58% | 3.17% | 0.20% | 821 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $1.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.9% | 81.5% | 3th |
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.