| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -6.6% | +0.7% | -7.3 pts |
| Loan growth (YoY) | +9.3% | -2.4% | +11.7 pts |
| ROA | 2.98% | 0.60% | +2.4 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $614K | $330K | $378K | $283K | $5K | 2.98% | 6.85% | 10.47% | 182 |
| Q4 2025 | $617K | $336K | $364K | $279K | $21K | 3.33% | 7.78% | 3.47% | 185 |
| Q3 2025 | $611K | $338K | $358K | $270K | $12K | 2.68% | 7.53% | 1.98% | 182 |
| Q2 2025 | $616K | $349K | $369K | $267K | $9K | 2.91% | 7.28% | 6.08% | 183 |
| Q1 2025 | $615K | $353K | $346K | $262K | $4K | 2.56% | 5.94% | 5.21% | 182 |
| Q4 2024 | $519K | $261K | $321K | $258K | $13K | 2.46% | 7.07% | 6.64% | 182 |
| Q3 2024 | $518K | $263K | $323K | $255K | $9K | 2.42% | 6.50% | 7.02% | 184 |
| Q2 2024 | $519K | $265K | $335K | $252K | $7K | 2.74% | 6.30% | 4.19% | 185 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $161K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.98% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 81.5% | 9th |
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.