| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.3% | +1.3% | +12.0 pts |
| Share growth (YoY) | +13.4% | +0.7% | +12.7 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.4 pts |
| ROA | 1.77% | 0.60% | +1.2 pts |
| ROE | 12.3% | 4.1% | +8.2 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 | $5.1M | $4.4M | $3.0M | $731K | $23K | 1.77% | 5.04% | 3.46% | 766 |
| Q4 2025 | $5.0M | $4.2M | $3.0M | $710K | $89K | 1.80% | 4.83% | 1.57% | 769 |
| Q3 2025 | $4.8M | $4.1M | $3.1M | $692K | $72K | 1.98% | 5.17% | 2.19% | 768 |
| Q2 2025 | $4.4M | $3.8M | $3.4M | $663K | $42K | 1.88% | 5.41% | 1.44% | 761 |
| Q1 2025 | $4.5M | $3.9M | $3.4M | $648K | $26K | 2.32% | 5.82% | 1.43% | 758 |
| Q4 2024 | $4.2M | $3.6M | $3.4M | $621K | $84K | 1.98% | 5.25% | 2.32% | 747 |
| Q3 2024 | $4.3M | $3.7M | $3.5M | $602K | $65K | 2.03% | 5.29% | 1.19% | 774 |
| Q2 2024 | $4.3M | $3.7M | $3.4M | $571K | $33K | 1.56% | 4.87% | 0.91% | 766 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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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