| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.5% | +1.3% | -11.8 pts |
| Share growth (YoY) | -16.4% | +0.7% | -17.0 pts |
| Loan growth (YoY) | +27.6% | -2.4% | +30.0 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7M | $1.1M | $1.3M | $571K | $6K | 1.35% | 5.02% | 0.00% | 397 |
| Q4 2025 | $1.6M | $1.1M | $1.2M | $565K | $14K | 0.85% | 4.90% | 0.12% | 393 |
| Q3 2025 | $1.7M | $1.2M | $1.1M | $562K | $13K | 0.97% | 4.60% | 0.21% | 398 |
| Q2 2025 | $1.9M | $1.3M | $1.1M | $558K | $9K | 1.01% | 3.98% | 0.20% | 394 |
| Q1 2025 | $1.9M | $1.3M | $1.0M | $552K | $4K | 0.77% | 3.97% | 0.35% | 402 |
| Q4 2024 | $1.8M | $1.3M | $977K | $549K | $20K | 1.13% | 4.13% | 0.23% | 407 |
| Q3 2024 | $1.9M | $1.4M | $1.0M | $537K | $9K | 0.65% | 3.78% | 0.00% | 417 |
| Q2 2024 | $1.9M | $1.3M | $996K | $532K | $4K | 0.43% | 3.74% | 0.06% | 421 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $108K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 81.5% | 34th |
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.