| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +5.6% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -12.0% | -2.4% | -9.7 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4M | $2.0M | $1.7M | $387K | $8K | 1.36% | 4.91% | 0.35% | 558 |
| Q4 2025 | $2.3M | $1.9M | $1.8M | $379K | $14K | 0.62% | 4.14% | 0.23% | 556 |
| Q3 2025 | $2.4M | $2.0M | $1.9M | $382K | $17K | 0.96% | 4.25% | 2.03% | 555 |
| Q2 2025 | $2.4M | $2.0M | $1.9M | $373K | $8K | 0.68% | 3.88% | 2.74% | 550 |
| Q1 2025 | $2.3M | $1.9M | $2.0M | $372K | $7K | 1.30% | 4.62% | 0.56% | 548 |
| Q4 2024 | $2.3M | $1.8M | $2.0M | $365K | $14K | 0.60% | 4.43% | 0.79% | 549 |
| Q3 2024 | $2.3M | $1.8M | $2.2M | $373K | $22K | 1.27% | 4.43% | 0.48% | 553 |
| Q2 2024 | $2.5M | $2.1M | $2.2M | $362K | $11K | 0.91% | 3.90% | 1.17% | 554 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $17K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 81.5% | 30th |
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.