| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +6.0% | +0.7% | +5.3 pts |
| Loan growth (YoY) | +11.6% | -2.4% | +13.9 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.0M | $61.3M | $37.3M | $9.5M | $193K | 1.09% | 3.08% | 0.12% | 2,562 |
| Q4 2025 | $69.9M | $60.3M | $37.0M | $9.3M | $655K | 0.94% | 2.92% | 0.18% | 2,573 |
| Q3 2025 | $66.7M | $57.3M | $36.1M | $9.2M | $541K | 1.08% | 2.98% | 0.10% | 2,579 |
| Q2 2025 | $64.2M | $54.9M | $33.7M | $9.1M | $387K | 1.21% | 3.02% | 0.15% | 2,555 |
| Q1 2025 | $67.1M | $57.8M | $33.4M | $8.8M | $169K | 1.01% | 2.77% | 0.15% | 2,572 |
| Q4 2024 | $66.5M | $57.4M | $33.5M | $8.7M | $359K | 0.54% | 2.37% | 0.28% | 2,593 |
| Q3 2024 | $64.9M | $55.9M | $33.9M | $8.7M | $352K | 0.72% | 2.37% | 0.59% | 2,821 |
| Q2 2024 | $62.6M | $53.6M | $33.4M | $8.6M | $250K | 0.80% | 2.40% | 0.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,813 |
Loan mix (Q1 2026): real estate $18.5M · commercial $184K · consumer $13.4M · securities $23.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 81.5% | 19th |
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.