| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +16.4% | +0.7% | +15.8 pts |
| Loan growth (YoY) | +10.2% | -2.4% | +12.5 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 13.0% | 4.1% | +8.9 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $322K | $279K | $145K | $33K | $1K | 1.35% | 6.67% | 0.00% | 154 |
| Q4 2025 | $302K | $260K | $147K | $32K | $-1 | -0.00% | 5.80% | 0.00% | 154 |
| Q3 2025 | $301K | $251K | $142K | $50K | $18K | 7.91% | 6.39% | 0.00% | 153 |
| Q2 2025 | $295K | $243K | $128K | $53K | $21K | 13.95% | 6.72% | 0.00% | 147 |
| Q1 2025 | $295K | $240K | $132K | $55K | $23K | 30.96% | 7.03% | 0.00% | 145 |
| Q4 2024 | $269K | $237K | $148K | $32K | $2K | 0.80% | 5.74% | 0.00% | 140 |
| Q3 2024 | $283K | $236K | $151K | $40K | $10K | 4.68% | 7.59% | 0.00% | 157 |
| Q2 2024 | $284K | $232K | $144K | $39K | $9K | 6.51% | 7.53% | 0.00% | 159 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $129K · securities $44
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 81.5% | 45th |
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.