| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 6.6% | 4.1% | +2.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.5M | $2.6M | $1.0M | $17K | 1.22% | 3.65% | 1.90% | 1,192 |
| Q4 2025 | $5.6M | $4.6M | $2.7M | $999K | $78K | 1.38% | 3.39% | 1.00% | 1,195 |
| Q3 2025 | $5.7M | $4.7M | $2.7M | $978K | $57K | 1.34% | 3.33% | 0.99% | 1,193 |
| Q2 2025 | $5.8M | $4.9M | $2.8M | $954K | $32K | 1.11% | 3.19% | 0.85% | 1,178 |
| Q1 2025 | $5.3M | $4.4M | $2.7M | $932K | $11K | 0.83% | 3.39% | 0.67% | 1,177 |
| Q4 2024 | $5.1M | $4.2M | $2.8M | $921K | $45K | 0.87% | 3.54% | 2.49% | 1,176 |
| Q3 2024 | $5.2M | $4.2M | $2.9M | $908K | $31K | 0.80% | 3.51% | 1.69% | 1,170 |
| Q2 2024 | $5.2M | $4.3M | $2.7M | $896K | $19K | 0.72% | 3.38% | 2.67% | 1,173 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 81.5% | 3th |
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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