| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.1 pts |
| ROA | 1.76% | 0.60% | +1.2 pts |
| ROE | 11.4% | 4.1% | +7.3 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $5.4M | $5.3M | $981K | $28K | 1.76% | 5.97% | 0.00% | 1,040 |
| Q4 2025 | $6.2M | $5.3M | $5.2M | $953K | $21K | 0.34% | 4.17% | 0.00% | 1,040 |
| Q3 2025 | $6.3M | $5.3M | $5.3M | $1.0M | $92K | 1.94% | 5.53% | 0.53% | 1,037 |
| Q2 2025 | $6.0M | $4.9M | $5.4M | $1.0M | $77K | 2.59% | 5.90% | 0.06% | 1,035 |
| Q1 2025 | $6.1M | $5.1M | $5.4M | $966K | $35K | 2.27% | 5.77% | 0.00% | 1,028 |
| Q4 2024 | $6.4M | $5.5M | $5.4M | $931K | $67K | 1.05% | 4.74% | 0.00% | 1,019 |
| Q3 2024 | $6.6M | $5.6M | $5.4M | $924K | $60K | 1.22% | 4.52% | 0.69% | 1,002 |
| Q2 2024 | $6.6M | $5.7M | $5.4M | $921K | $56K | 1.70% | 4.96% | 0.00% | 1,004 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $30K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 81.5% | 19th |
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.