| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.6% | +0.7% | +1.0 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.2M | $27.7M | $18.0M | $4.4M | $69K | 0.86% | 3.36% | 1.92% | 1,886 |
| Q4 2025 | $31.7M | $27.3M | $18.1M | $4.3M | $153K | 0.48% | 3.32% | 1.90% | 1,877 |
| Q3 2025 | $31.3M | $26.9M | $18.1M | $4.3M | $90K | 0.38% | 3.31% | 1.74% | 1,877 |
| Q2 2025 | $31.3M | $27.0M | $18.0M | $4.2M | $73K | 0.46% | 3.25% | 1.97% | 1,880 |
| Q1 2025 | $31.6M | $27.3M | $17.6M | $3.9M | $47K | 0.60% | 3.09% | 2.23% | 1,881 |
| Q4 2024 | $30.4M | $26.1M | $18.0M | $4.2M | $183K | 0.60% | 3.19% | 1.88% | 1,869 |
| Q3 2024 | $31.0M | $26.6M | $17.9M | $4.1M | $106K | 0.46% | 3.02% | 2.13% | 1,872 |
| Q2 2024 | $30.5M | $26.4M | $17.9M | $4.1M | $18K | 0.12% | 2.77% | 0.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,870 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $12.6M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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.