| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.2 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $5.7M | $4.4M | $889K | $21K | 1.29% | 3.70% | 1.01% | 667 |
| Q4 2025 | $6.5M | $5.6M | $4.4M | $868K | $87K | 1.35% | 3.69% | 0.83% | 667 |
| Q3 2025 | $6.4M | $5.5M | $4.3M | $848K | $67K | 1.40% | 3.63% | 0.97% | 660 |
| Q2 2025 | $6.6M | $5.7M | $4.3M | $823K | $42K | 1.28% | 3.47% | 0.47% | 661 |
| Q1 2025 | $6.5M | $5.6M | $4.3M | $804K | $23K | 1.45% | 3.40% | 0.24% | 666 |
| Q4 2024 | $6.4M | $5.6M | $4.3M | $781K | $74K | 1.16% | 3.22% | 0.87% | 663 |
| Q3 2024 | $6.1M | $5.3M | $4.4M | $763K | $56K | 1.21% | 3.32% | 0.60% | 666 |
| Q2 2024 | $5.9M | $5.1M | $4.3M | $736K | $30K | 1.01% | 3.28% | 1.03% | 667 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 81.5% | 20th |
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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