| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +6.6% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -12.0% | -2.4% | -9.6 pts |
| ROA | 1.80% | 0.60% | +1.2 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.9M | $3.2M | $1.5M | $695K | $18K | 1.80% | 3.85% | 0.46% | 474 |
| Q4 2025 | $3.9M | $3.2M | $1.5M | $677K | $35K | 0.89% | 3.76% | 0.35% | 465 |
| Q3 2025 | $3.8M | $3.2M | $1.6M | $661K | $18K | 0.62% | 3.83% | 2.25% | 467 |
| Q2 2025 | $3.7M | $3.1M | $1.5M | $654K | $11K | 0.58% | 3.86% | 2.21% | 467 |
| Q1 2025 | $3.6M | $3.0M | $1.6M | $633K | $-10K | -1.11% | 3.71% | 0.00% | 465 |
| Q4 2024 | $3.7M | $3.0M | $1.7M | $643K | $58K | 1.58% | 3.83% | 1.88% | 461 |
| Q3 2024 | $3.6M | $2.9M | $1.7M | $635K | $50K | 1.89% | 3.95% | 3.76% | 461 |
| Q2 2024 | $3.6M | $3.0M | $1.7M | $616K | $31K | 1.73% | 3.83% | 4.37% | 461 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 81.5% | 7th |
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.