| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 12.1% | 4.1% | +8.0 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152K | $133K | $23K | $19K | $584 | 1.53% | 2.09% | 49.01% | 114 |
| Q4 2025 | $152K | $133K | $24K | $19K | $322 | 0.21% | 1.22% | 0.00% | 114 |
| Q3 2025 | $157K | $134K | $26K | $22K | $3K | 2.70% | 3.01% | 0.00% | 115 |
| Q2 2025 | $156K | $134K | $19K | $21K | $2K | 3.15% | 3.49% | 0.00% | 115 |
| Q1 2025 | $154K | $134K | $21K | $19K | $588 | 1.53% | 1.85% | 0.00% | 115 |
| Q4 2024 | $153K | $134K | $23K | $18K | $0 | 0.00% | 1.07% | 0.00% | 115 |
| Q3 2024 | $153K | $133K | $20K | $20K | $2K | 1.61% | 2.04% | 0.00% | 115 |
| Q2 2024 | $151K | $132K | $6K | $19K | $872 | 1.15% | 1.56% | 0.00% | 114 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12K · securities $82K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.0% | 81.5% | 1th |
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.