| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +80.0% | +1.3% | +78.7 pts |
| Share growth (YoY) | +60.9% | +0.7% | +60.2 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | -1.08% | 0.60% | -1.7 pts |
| ROE | -4.7% | 4.1% | -8.8 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $687K | $529K | $184K | $157K | $-2K | -1.08% | 1.53% | 3.04% | 168 |
| Q4 2025 | $393K | $336K | $143K | $57K | $5K | 1.25% | 2.99% | 2.28% | 120 |
| Q3 2025 | $426K | $371K | $162K | $52K | $3K | 0.94% | 2.65% | 0.00% | 120 |
| Q2 2025 | $380K | $325K | $170K | $52K | $2K | 1.23% | 2.87% | 0.00% | 115 |
| Q1 2025 | $382K | $329K | $174K | $53K | $1 | 0.00% | 2.15% | 0.00% | 115 |
| Q4 2024 | $380K | $327K | $169K | $53K | $6K | 1.56% | 3.26% | 15.13% | 119 |
| Q3 2024 | $378K | $327K | $188K | $51K | $6K | 1.96% | 3.71% | 14.99% | 129 |
| Q2 2024 | $379K | $333K | $204K | $47K | $792 | 0.42% | 2.60% | 16.97% | 129 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $174K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.08% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 169.7% | 81.5% | 98th |
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.