| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 1.25% | 0.60% | +0.6 pts |
| ROE | 13.8% | 4.1% | +9.7 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $5.0M | $2.0M | $500K | $17K | 1.25% | 3.76% | 0.54% | 2,316 |
| Q4 2025 | $5.3M | $4.7M | $2.2M | $523K | $72K | 1.36% | 4.13% | 0.85% | 2,492 |
| Q3 2025 | $5.2M | $4.7M | $2.3M | $526K | $66K | 1.68% | 4.16% | 1.16% | 2,461 |
| Q2 2025 | $5.3M | $4.8M | $1.9M | $496K | $35K | 1.34% | 4.07% | 1.83% | 2,434 |
| Q1 2025 | $5.2M | $4.7M | $2.1M | $483K | $22K | 1.69% | 4.02% | 0.48% | 2,426 |
| Q4 2024 | $5.0M | $4.5M | $2.2M | $501K | $109K | 2.17% | 4.21% | 0.77% | 2,426 |
| Q3 2024 | $5.1M | $4.5M | $2.3M | $500K | $98K | 2.57% | 4.17% | 0.72% | 2,427 |
| Q2 2024 | $5.1M | $4.6M | $2.5M | $471K | $69K | 2.72% | 4.14% | 0.71% | 2,454 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $610K · commercial $0 · consumer $1.3M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 81.5% | 42th |
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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