| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | 1.06% | 0.60% | +0.5 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.6M | $3.1M | $2.3M | $535K | $10K | 1.06% | 5.87% | 0.13% | 854 |
| Q4 2025 | $3.6M | $3.1M | $2.4M | $526K | $3K | 0.07% | 5.30% | 0.58% | 921 |
| Q3 2025 | $3.6M | $3.0M | $2.4M | $531K | $8K | 0.31% | 5.36% | 2.72% | 925 |
| Q2 2025 | $3.5M | $3.0M | $2.3M | $522K | $-826 | -0.05% | 5.34% | 0.77% | 929 |
| Q1 2025 | $3.5M | $3.0M | $2.4M | $527K | $4K | 0.42% | 5.21% | 2.37% | 929 |
| Q4 2024 | $3.6M | $3.0M | $2.4M | $523K | $3K | 0.07% | 4.75% | 1.82% | 936 |
| Q3 2024 | $3.6M | $3.0M | $2.4M | $536K | $16K | 0.59% | 4.94% | 3.17% | 939 |
| Q2 2024 | $3.8M | $3.1M | $2.4M | $535K | $14K | 0.75% | 4.74% | 0.00% | 977 |
Loan mix (Q1 2026): real estate $9K · commercial $15K · consumer $2.2M · securities $1.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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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