| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +10.6% | +0.7% | +9.9 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | 1.57% | 0.60% | +1.0 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.7M | $3.7M | $1.1M | $894K | $18K | 1.57% | 3.85% | 6.18% | 2,133 |
| Q4 2025 | $4.6M | $3.6M | $1.1M | $876K | $41K | 0.89% | 4.27% | 4.75% | 1,981 |
| Q3 2025 | $4.5M | $3.6M | $1.2M | $857K | $21K | 0.64% | 4.22% | 3.98% | 1,962 |
| Q2 2025 | $4.1M | $3.2M | $1.2M | $877K | $83K | 4.01% | 4.53% | 3.28% | 1,954 |
| Q1 2025 | $4.3M | $3.4M | $1.2M | $828K | $-7K | -0.67% | 4.14% | 6.20% | 1,951 |
| Q4 2024 | $4.2M | $3.3M | $1.2M | $835K | $4K | 0.08% | 4.77% | 10.97% | 2,046 |
| Q3 2024 | $4.2M | $3.4M | $1.2M | $820K | $-12K | -0.37% | 4.79% | 8.11% | 2,027 |
| Q2 2024 | $4.3M | $3.4M | $1.3M | $855K | $24K | 1.11% | 4.79% | 8.76% | 2,217 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $916K · securities $309K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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.