| Metric | Unison Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +3.9% | +8.7 pts |
| Share growth (YoY) | +6.4% | +3.3% | +3.1 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.5 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 10.2% | 5.9% | +4.3 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $388.9M | $318.1M | $220.4M | $36.3M | $929K | 0.96% | 3.17% | 0.41% | 18,160 |
| Q4 2025 | $384.2M | $313.8M | $219.9M | $35.4M | $2.9M | 0.76% | 3.12% | 0.40% | 18,895 |
| Q3 2025 | $364.7M | $305.3M | $218.0M | $34.3M | $1.8M | 0.67% | 3.23% | 0.32% | 18,950 |
| Q2 2025 | $363.1M | $305.4M | $212.6M | $33.8M | $1.3M | 0.70% | 3.16% | 0.31% | 18,885 |
| Q1 2025 | $345.5M | $298.9M | $203.4M | $33.2M | $689K | 0.80% | 3.24% | 0.26% | 19,079 |
| Q4 2024 | $338.9M | $294.6M | $200.8M | $32.5M | $3.1M | 0.93% | 3.09% | 0.29% | 19,066 |
| Q3 2024 | $333.5M | $295.6M | $188.5M | $31.0M | $1.6M | 0.64% | 3.08% | 0.33% | 19,047 |
| Q2 2024 | $326.2M | $295.8M | $189.2M | $30.4M | $935K | 0.57% | 3.09% |
| Ratio | Unison Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 19,019 |
Loan mix (Q1 2026): real estate $133.3M · commercial $21.5M · consumer $48.6M · securities $134.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 78.7% | 28th |
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 | Unison Credit Union | 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 | Unison Credit Union | 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 | Unison Credit Union | 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 | Unison Credit Union | 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.