| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.0% | +1.3% | +13.7 pts |
| Share growth (YoY) | +17.1% | +0.7% | +16.5 pts |
| Loan growth (YoY) | -22.4% | -2.4% | -20.0 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.1M | $3.5M | $51K | $676K | $11K | 1.08% | 2.34% | 0.00% | 669 |
| Q4 2025 | $3.9M | $3.3M | $61K | $664K | $36K | 0.91% | 2.03% | 0.00% | 668 |
| Q3 2025 | $3.8M | $3.1M | $69K | $671K | $42K | 1.47% | 2.62% | 0.00% | 671 |
| Q2 2025 | $3.7M | $3.1M | $64K | $656K | $27K | 1.45% | 2.68% | 0.00% | 674 |
| Q1 2025 | $3.6M | $2.9M | $66K | $642K | $13K | 1.48% | 2.75% | 0.00% | 671 |
| Q4 2024 | $3.5M | $2.9M | $74K | $629K | $21K | 0.59% | 1.85% | 0.00% | 654 |
| Q3 2024 | $3.5M | $2.9M | $82K | $625K | $18K | 0.67% | 1.97% | 0.00% | 666 |
| Q2 2024 | $3.6M | $2.9M | $72K | $617K | $10K | 0.54% | 1.87% | 0.00% | 666 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2K · securities $3.2M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.34% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% |
Peer lists, growth filters, CSV export, CRM push.
| 81.5% |
| — |
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.