| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.1% | +1.3% | -10.4 pts |
| Share growth (YoY) | -10.3% | +0.7% | -11.0 pts |
| Loan growth (YoY) | +44.5% | -2.4% | +46.8 pts |
| ROA | 2.60% | 0.60% | +2.0 pts |
| ROE | 29.1% | 4.1% | +25.0 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 | $378K | $342K | $79K | $34K | $2K | 2.60% | 2.41% | 0.32% | 195 |
| Q4 2025 | $407K | $372K | $63K | $31K | $6K | 1.52% | 3.12% | 0.00% | 194 |
| Q3 2025 | $411K | $374K | $69K | $37K | $5K | 1.76% | 2.84% | 1.92% | 194 |
| Q2 2025 | $384K | $348K | $63K | $36K | $5K | 2.38% | 3.17% | 6.53% | 199 |
| Q1 2025 | $416K | $381K | $54K | $33K | $2K | 1.89% | 3.76% | 2.12% | 198 |
| Q4 2024 | $425K | $392K | $63K | $31K | $5K | 1.22% | 3.22% | 0.00% | 198 |
| Q3 2024 | $411K | $378K | $62K | $33K | $6K | 2.11% | 3.70% | 0.22% | 196 |
| Q2 2024 | $379K | $348K | $66K | $31K | $5K | 2.56% | 3.82% | 0.00% | 191 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $37K · securities $248K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.60% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 29.1% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 1.3% | 81.5% | 0th |
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.