| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +7.1% | -2.4% | +9.5 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.5M | $5.6M | $5.1M | $871K | $10K | 0.65% | 3.64% | 1.22% | 734 |
| Q4 2025 | $6.1M | $5.2M | $5.1M | $860K | $70K | 1.15% | 3.79% | 1.23% | 735 |
| Q3 2025 | $6.2M | $5.3M | $4.8M | $841K | $53K | 1.13% | 3.60% | 1.31% | 730 |
| Q2 2025 | $6.3M | $5.5M | $4.7M | $827K | $38K | 1.21% | 3.40% | 1.19% | 730 |
| Q1 2025 | $6.2M | $5.3M | $4.8M | $803K | $14K | 0.88% | 3.24% | 1.42% | 729 |
| Q4 2024 | $5.9M | $5.1M | $4.8M | $790K | $10K | 0.16% | 3.08% | 1.17% | 738 |
| Q3 2024 | $5.9M | $5.1M | $4.9M | $785K | $3K | 0.06% | 2.98% | 1.14% | 735 |
| Q2 2024 | $6.2M | $5.4M | $4.9M | $784K | $4K | 0.12% | 2.87% | 1.00% | 739 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $5K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52th |
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.