| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.0% | +1.3% | -11.3 pts |
| Share growth (YoY) | -12.6% | +0.7% | -13.3 pts |
| Loan growth (YoY) | +58.2% | -2.4% | +60.5 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $599K | $503K | $185K | $92K | $854 | 0.57% | 3.90% | 0.00% | 887 |
| Q4 2025 | $616K | $523K | $128K | $91K | $4K | 0.72% | 3.44% | 2.99% | 896 |
| Q3 2025 | $668K | $573K | $141K | $91K | $5K | 1.00% | 3.40% | 3.79% | 918 |
| Q2 2025 | $692K | $598K | $124K | $91K | $4K | 1.25% | 3.48% | 0.54% | 931 |
| Q1 2025 | $666K | $576K | $117K | $87K | $985 | 0.59% | 3.07% | 0.93% | 942 |
| Q4 2024 | $632K | $543K | $120K | $86K | $11K | 1.73% | 4.05% | 0.29% | 936 |
| Q3 2024 | $669K | $583K | $139K | $84K | $9K | 1.73% | 3.69% | 0.00% | 933 |
| Q2 2024 | $706K | $622K | $140K | $82K | $7K | 1.88% | 3.70% | 0.00% | 944 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $165K · securities $365K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 81.5% | 55th |
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.