| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 10.4% | 4.1% | +6.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $61.3M | $53.0M | $32.0M | $8.2M | $213K | 1.39% | 4.35% | 0.98% | 6,820 |
| Q4 2025 | $59.2M | $51.1M | $32.5M | $8.0M | $689K | 1.16% | 4.36% | 0.94% | 6,782 |
| Q3 2025 | $59.3M | $51.3M | $33.1M | $7.8M | $488K | 1.10% | 4.27% | 1.04% | 6,806 |
| Q2 2025 | $59.4M | $51.8M | $32.9M | $7.6M | $308K | 1.04% | 4.14% | 1.78% | 6,773 |
| Q1 2025 | $58.0M | $50.6M | $32.5M | $7.5M | $182K | 1.26% | 4.15% | 0.99% | 6,749 |
| Q4 2024 | $55.7M | $48.3M | $32.5M | $7.3M | $756K | 1.36% | 4.04% | 0.61% | 6,718 |
| Q3 2024 | $55.3M | $48.0M | $32.6M | $7.2M | $602K | 1.45% | 3.98% | 0.81% | 6,719 |
| Q2 2024 | $55.4M | $48.3M | $32.3M | $7.0M | $405K | 1.46% | 3.81% | 0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,654 |
Loan mix (Q1 2026): real estate $5.2M · commercial $56K · consumer $23.5M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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.