| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.3 pts |
| Loan growth (YoY) | +8.6% | -2.4% | +11.0 pts |
| ROA | 2.38% | 0.60% | +1.8 pts |
| ROE | 22.5% | 4.1% | +18.4 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.8M | $1.3M | $720K | $193K | $11K | 2.38% | 2.15% | 1.87% | 291 |
| Q4 2025 | $1.7M | $1.2M | $785K | $160K | $40K | 2.29% | 2.05% | 4.73% | 281 |
| Q3 2025 | $1.8M | $1.4M | $718K | $146K | $25K | 1.90% | 1.39% | 2.38% | 294 |
| Q2 2025 | $1.7M | $1.4M | $654K | $138K | $17K | 2.08% | 1.44% | 1.15% | 292 |
| Q1 2025 | $1.7M | $1.4M | $663K | $128K | $7K | 1.72% | 0.73% | 4.51% | 282 |
| Q4 2024 | $1.9M | $1.7M | $579K | $121K | $38K | 2.03% | 2.40% | 5.09% | 431 |
| Q3 2024 | $801K | $639K | $605K | $107K | $20K | 3.29% | 5.46% | 4.18% | 423 |
| Q2 2024 | $813K | $381K | $643K | $141K | $-38K | -9.27% | 5.00% | 6.42% | 398 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.5% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $386K · securities $100
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 48th |
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% |
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