| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +16.0% | +0.7% | +15.3 pts |
| Loan growth (YoY) | +6.5% | -2.4% | +8.9 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $970K | $879K | $519K | $96K | $563 | 0.23% | 5.61% | 9.75% | 2,000 |
| Q4 2025 | $949K | $846K | $535K | $116K | $-12K | -1.30% | 5.50% | 4.63% | 1,900 |
| Q3 2025 | $937K | $822K | $471K | $128K | $6K | 0.83% | 5.58% | 11.09% | 1,807 |
| Q2 2025 | $924K | $804K | $482K | $133K | $11K | 2.38% | 5.46% | 6.16% | 1,568 |
| Q1 2025 | $866K | $758K | $487K | $121K | $-894 | -0.41% | 5.48% | 11.91% | 1,472 |
| Q4 2024 | $839K | $730K | $502K | $109K | $-115K | -13.66% | 5.74% | 0.00% | 1,385 |
| Q3 2024 | $852K | $738K | $531K | $114K | $-90K | -14.16% | 5.39% | 2.58% | 1,306 |
| Q2 2024 | $913K | $752K | $493K | $197K | $-7K | -1.64% | 4.62% | 0.88% | 1,232 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $519K · securities $39K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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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