| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +1.3% | +7.2 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.8 pts |
| Loan growth (YoY) | -7.2% | -2.4% | -4.8 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.7M | $5.2M | $3.5M | $389K | $5K | 0.36% | 4.58% | 1.85% | 645 |
| Q4 2025 | $5.5M | $5.0M | $3.5M | $384K | $22K | 0.40% | 4.82% | 1.89% | 645 |
| Q3 2025 | $5.3M | $4.9M | $3.7M | $373K | $11K | 0.27% | 4.86% | 1.68% | 656 |
| Q2 2025 | $5.4M | $5.1M | $3.8M | $368K | $5K | 0.19% | 4.65% | 0.94% | 650 |
| Q1 2025 | $5.2M | $4.8M | $3.8M | $363K | $133 | 0.01% | 4.82% | 0.29% | 663 |
| Q4 2024 | $5.1M | $4.7M | $3.7M | $362K | $7K | 0.13% | 4.71% | 0.52% | 670 |
| Q3 2024 | $5.1M | $4.7M | $3.7M | $369K | $13K | 0.34% | 4.73% | 0.89% | 670 |
| Q2 2024 | $5.2M | $4.8M | $3.9M | $367K | $11K | 0.43% | 4.57% | 1.57% | 669 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $1.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 81.5% | 74th |
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.