| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +6.6% | -2.4% | +9.0 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.6M | $1.3M | $276K | $2K | 0.51% | 3.62% | 1.20% | 486 |
| Q4 2025 | $1.7M | $1.5M | $1.4M | $274K | $3K | 0.17% | 3.54% | 0.71% | 491 |
| Q3 2025 | $1.8M | $1.5M | $1.4M | $272K | $1K | 0.10% | 3.35% | 0.75% | 490 |
| Q2 2025 | $1.9M | $1.6M | $1.3M | $271K | $356 | 0.04% | 3.04% | 0.00% | 492 |
| Q1 2025 | $1.8M | $1.5M | $1.2M | $271K | $46 | 0.01% | 3.10% | 1.02% | 491 |
| Q4 2024 | $1.7M | $1.5M | $1.3M | $271K | $4K | 0.23% | 3.43% | 1.01% | 489 |
| Q3 2024 | $1.7M | $1.5M | $1.4M | $271K | $4K | 0.32% | 3.50% | 0.00% | 489 |
| Q2 2024 | $1.9M | $1.6M | $1.4M | $267K | $4K | 0.38% | 3.46% | 0.00% | 492 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $10K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 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.