| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.1 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 1.98% | 0.60% | +1.4 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.2M | $9.9M | $3.5M | $2.4M | $61K | 1.98% | 3.93% | 0.00% | 1,468 |
| Q4 2025 | $12.1M | $9.8M | $3.5M | $2.3M | $276K | 2.27% | 4.07% | 0.00% | 1,467 |
| Q3 2025 | $11.4M | $9.2M | $3.6M | $2.2M | $197K | 2.30% | 4.21% | 0.04% | 1,470 |
| Q2 2025 | $11.5M | $9.3M | $3.6M | $2.1M | $117K | 2.03% | 3.96% | 0.48% | 1,474 |
| Q1 2025 | $11.5M | $9.4M | $3.6M | $2.1M | $45K | 1.57% | 3.93% | 0.15% | 1,469 |
| Q4 2024 | $10.8M | $8.8M | $3.6M | $2.0M | $261K | 2.40% | 4.25% | 0.16% | 1,467 |
| Q3 2024 | $10.7M | $8.7M | $3.6M | $2.0M | $194K | 2.41% | 4.26% | 0.24% | 1,463 |
| Q2 2024 | $10.6M | $8.7M | $3.4M | $1.9M | $127K | 2.41% | 4.27% | 0.08% | 1,460 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 81.5% | 10th |
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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