| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | 1.60% | 0.60% | +1.0 pts |
| ROE | 11.4% | 4.1% | +7.3 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.4M | $4.6M | $4.2M | $758K | $22K | 1.60% | 3.97% | 1.37% | 586 |
| Q4 2025 | $5.3M | $4.5M | $4.4M | $736K | $53K | 1.01% | 4.30% | 2.83% | 587 |
| Q3 2025 | $5.2M | $4.4M | $4.6M | $743K | $61K | 1.55% | 4.38% | 1.58% | 585 |
| Q2 2025 | $5.2M | $4.4M | $4.6M | $739K | $56K | 2.18% | 4.34% | 0.32% | 583 |
| Q1 2025 | $5.2M | $4.5M | $4.4M | $718K | $35K | 2.71% | 4.24% | 0.06% | 590 |
| Q4 2024 | $5.1M | $4.4M | $4.4M | $683K | $79K | 1.53% | 4.51% | 1.06% | 586 |
| Q3 2024 | $5.1M | $4.4M | $4.2M | $672K | $68K | 1.78% | 4.21% | 0.98% | 592 |
| Q2 2024 | $5.1M | $4.4M | $4.3M | $657K | $53K | 2.09% | 4.25% | 0.22% | 578 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $400K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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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