| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | +6.3% | -2.4% | +8.7 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $4.4M | $4.2M | $1.1M | $13K | 0.95% | 4.96% | 0.07% | 1,170 |
| Q4 2025 | $5.2M | $4.1M | $4.3M | $1.1M | $99K | 1.89% | 6.21% | 0.23% | 1,164 |
| Q3 2025 | $5.5M | $4.4M | $4.3M | $1.0M | $66K | 1.60% | 5.65% | 0.34% | 1,157 |
| Q2 2025 | $5.4M | $4.3M | $4.3M | $1.0M | $37K | 1.38% | 5.61% | 0.30% | 1,171 |
| Q1 2025 | $5.4M | $4.4M | $4.0M | $987K | $14K | 1.05% | 5.27% | 0.23% | 1,168 |
| Q4 2024 | $5.1M | $4.1M | $3.8M | $973K | $110K | 2.15% | 5.98% | 0.00% | 1,158 |
| Q3 2024 | $5.3M | $4.3M | $3.9M | $950K | $87K | 2.20% | 5.91% | 0.00% | 1,148 |
| Q2 2024 | $5.2M | $4.3M | $4.2M | $922K | $59K | 2.27% | 6.09% | 0.28% | 1,165 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $2K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
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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