| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | +96.9% | -2.4% | +99.3 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3M | $818K | $119K | $432K | $4K | 1.21% | 2.10% | 11.49% | 299 |
| Q4 2025 | $1.3M | $819K | $125K | $428K | $9K | 0.69% | 1.72% | 10.93% | 298 |
| Q3 2025 | $1.3M | $827K | $57K | $427K | $8K | 0.83% | 1.90% | 23.92% | 309 |
| Q2 2025 | $1.3M | $826K | $60K | $424K | $5K | 0.74% | 1.97% | 23.65% | 309 |
| Q1 2025 | $1.3M | $828K | $60K | $419K | $-77 | -0.02% | 1.44% | 23.65% | 309 |
| Q4 2024 | $1.3M | $827K | $57K | $419K | $15K | 1.15% | 2.11% | 26.07% | 305 |
| Q3 2024 | $1.3M | $858K | $61K | $414K | $9K | 0.97% | 1.89% | 18.80% | 317 |
| Q2 2024 | $1.3M | $889K | $69K | $411K | $7K | 1.02% | 1.88% | 21.76% | 321 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $95K · securities $619K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.4% | 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.