| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -7.3% | +0.7% | -8.0 pts |
| Loan growth (YoY) | +47.4% | -2.4% | +49.8 pts |
| ROA | 1.32% | 0.60% | +0.7 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $268K | $219K | $53K | $41K | $882 | 1.32% | 3.31% | 14.97% | 391 |
| Q4 2025 | $276K | $227K | $54K | $40K | $1K | 0.42% | 2.08% | 8.22% | 391 |
| Q3 2025 | $278K | $229K | $24K | $41K | $2K | 0.80% | 2.57% | 25.86% | 391 |
| Q2 2025 | $279K | $230K | $32K | $40K | $1K | 0.90% | 2.57% | 22.31% | 391 |
| Q1 2025 | $284K | $236K | $36K | $40K | $782 | 1.10% | 2.71% | 21.22% | 391 |
| Q4 2024 | $292K | $246K | $43K | $39K | $2K | 0.55% | 3.17% | 12.55% | 391 |
| Q3 2024 | $287K | $240K | $48K | $41K | $3K | 1.62% | 3.92% | 12.66% | 391 |
| Q2 2024 | $279K | $234K | $54K | $40K | $2K | 1.48% | 3.96% | 15.00% | 391 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $53K · securities $177K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 81.5% | 12th |
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.