| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | +46.3% | -2.4% | +48.6 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.7M | $592K | $219K | $3K | 0.71% | 1.94% | 4.52% | 301 |
| Q4 2025 | $1.7M | $1.5M | $616K | $215K | $17K | 0.95% | 1.97% | 3.31% | 297 |
| Q3 2025 | $1.7M | $1.5M | $505K | $214K | $15K | 1.14% | 1.92% | 2.03% | 302 |
| Q2 2025 | $1.7M | $1.5M | $451K | $208K | $9K | 1.01% | 1.80% | 2.27% | 299 |
| Q1 2025 | $1.8M | $1.6M | $404K | $204K | $5K | 1.04% | 1.76% | 7.18% | 290 |
| Q4 2024 | $1.8M | $1.6M | $367K | $199K | $20K | 1.10% | 1.97% | 8.57% | 294 |
| Q3 2024 | $1.8M | $1.6M | $380K | $198K | $19K | 1.38% | 2.02% | 3.45% | 292 |
| Q2 2024 | $1.8M | $1.6M | $388K | $193K | $14K | 1.55% | 2.17% | 3.74% | 290 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $417K · securities $800K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.7% | 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.