| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.6 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.0M | $34.2M | $12.3M | $5.8M | $188K | 1.88% | 3.82% | 0.10% | 2,372 |
| Q4 2025 | $39.6M | $34.3M | $11.9M | $5.6M | $663K | 1.67% | 3.50% | 0.14% | 2,344 |
| Q3 2025 | $38.8M | $33.4M | $11.8M | $5.4M | $476K | 1.63% | 3.51% | 0.09% | 2,340 |
| Q2 2025 | $39.5M | $34.1M | $11.6M | $5.2M | $303K | 1.53% | 3.41% | 0.09% | 2,330 |
| Q1 2025 | $39.8M | $34.6M | $11.6M | $5.0M | $90K | 0.91% | 2.69% | 0.11% | 2,341 |
| Q4 2024 | $40.0M | $35.2M | $11.5M | $4.9M | $334K | 0.84% | 2.27% | 0.22% | 2,365 |
| Q3 2024 | $40.6M | $35.6M | $11.9M | $4.8M | $219K | 0.72% | 2.16% | 0.24% | 2,373 |
| Q2 2024 | $41.3M | $36.9M | $12.0M | $4.7M | $129K | 0.63% | 1.99% | 0.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,368 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $7.7M · securities $19.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 81.5% | 11th |
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.