| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +10.3% | +0.7% | +9.7 pts |
| Loan growth (YoY) | +11.5% | -2.4% | +13.9 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $3.1M | $2.3M | $590K | $1K | 0.14% | 3.33% | 0.00% | 529 |
| Q4 2025 | $3.7M | $3.1M | $2.0M | $588K | $9K | 0.24% | 2.80% | 0.00% | 523 |
| Q3 2025 | $3.6M | $3.0M | $2.0M | $585K | $6K | 0.21% | 2.84% | 0.00% | 524 |
| Q2 2025 | $3.4M | $2.8M | $2.0M | $582K | $3K | 0.17% | 2.86% | 0.43% | 511 |
| Q1 2025 | $3.4M | $2.8M | $2.1M | $581K | $1K | 0.17% | 2.90% | 0.83% | 511 |
| Q4 2024 | $3.3M | $2.7M | $2.1M | $580K | $16K | 0.48% | 3.15% | 0.91% | 508 |
| Q3 2024 | $3.3M | $2.7M | $2.2M | $576K | $12K | 0.49% | 3.26% | 0.57% | 510 |
| Q2 2024 | $3.3M | $2.7M | $2.3M | $571K | $7K | 0.45% | 3.18% | 0.64% | 509 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $1.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 68th |
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.