| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -11.1% | +0.7% | -11.8 pts |
| Loan growth (YoY) | -16.9% | -2.4% | -14.6 pts |
| ROA | 3.22% | 0.60% | +2.6 pts |
| ROE | 16.7% | 4.1% | +12.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78K | $63K | $36K | $15K | $624 | 3.22% | 4.62% | 0.00% | 105 |
| Q4 2025 | $77K | $63K | $38K | $14K | $2K | 1.98% | 5.95% | 0.00% | 105 |
| Q3 2025 | $78K | $64K | $40K | $13K | $2K | 3.62% | 5.64% | 0.00% | 105 |
| Q2 2025 | $83K | $70K | $41K | $13K | $1K | 2.74% | 6.25% | 0.00% | 105 |
| Q1 2025 | $83K | $70K | $43K | $12K | $411 | 1.98% | 8.20% | 0.00% | 105 |
| Q4 2024 | $81K | $69K | $45K | $12K | $3K | 3.22% | 4.76% | 0.00% | 105 |
| Q3 2024 | $80K | $68K | $43K | $11K | $2K | 3.39% | 5.01% | 0.00% | 105 |
| Q2 2024 | $90K | $79K | $43K | $11K | $2K | 3.42% | 5.24% | 0.00% | 105 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $0 · securities $27K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.22% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.9% | 81.5% | 2th |
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.