| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | -2.0% | +0.7% | -2.6 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.6 pts |
| ROA | 4.13% | 0.60% | +3.5 pts |
| ROE | 18.3% | 4.1% | +14.2 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.1M | $9.0M | $10.2M | $2.7M | $125K | 4.13% | 6.19% | 0.00% | 1,677 |
| Q4 2025 | $11.7M | $8.6M | $9.8M | $3.2M | $483K | 4.13% | 6.25% | 0.00% | 1,669 |
| Q3 2025 | $11.5M | $8.6M | $9.9M | $3.0M | $365K | 4.21% | 6.25% | 0.00% | 1,663 |
| Q2 2025 | $11.8M | $9.0M | $9.6M | $2.9M | $304K | 5.15% | 6.10% | 0.00% | 1,659 |
| Q1 2025 | $12.0M | $9.2M | $9.7M | $2.8M | $119K | 3.98% | 6.03% | 0.02% | 1,652 |
| Q4 2024 | $11.7M | $9.0M | $9.5M | $2.7M | $381K | 3.25% | 5.27% | 0.51% | 1,635 |
| Q3 2024 | $11.6M | $9.0M | $9.7M | $2.7M | $289K | 3.32% | 5.23% | 0.41% | 1,648 |
| Q2 2024 | $11.3M | $8.8M | $9.9M | $2.6M | $175K | 3.10% | 5.08% | 1.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.13% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,612 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.1M · securities $857K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.2% | 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.