| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.7 pts |
| Loan growth (YoY) | +25.9% | -2.4% | +28.3 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $358K | $252K | $35K | $92K | $970 | 1.08% | 2.76% | 5.52% | 146 |
| Q4 2025 | $346K | $241K | $28K | $91K | $221 | 0.06% | 2.22% | 0.00% | 146 |
| Q3 2025 | $353K | $244K | $19K | $94K | $2K | 0.92% | 3.20% | 0.00% | 150 |
| Q2 2025 | $338K | $230K | $20K | $94K | $3K | 1.54% | 4.09% | 0.00% | 150 |
| Q1 2025 | $345K | $239K | $28K | $91K | $239 | 0.28% | 3.77% | 0.00% | 145 |
| Q4 2024 | $336K | $231K | $26K | $91K | $3K | 0.92% | 2.70% | 2.49% | 153 |
| Q3 2024 | $335K | $230K | $31K | $96K | $6K | 2.42% | 4.00% | 0.00% | 153 |
| Q2 2024 | $326K | $222K | $32K | $95K | $5K | 3.12% | 5.04% | 0.00% | 153 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $24K · securities $250K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 81.5% | 13th |
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.