| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +1.3% | +7.2 pts |
| Share growth (YoY) | +8.7% | +0.7% | +8.1 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.1 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.9M | $7.3M | $1.4M | $23K | 0.99% | 2.01% | 0.89% | 1,097 |
| Q4 2025 | $9.2M | $7.9M | $7.2M | $1.3M | $96K | 1.04% | 2.09% | 0.73% | 1,109 |
| Q3 2025 | $8.9M | $7.6M | $7.1M | $1.3M | $75K | 1.12% | 2.13% | 0.48% | 1,110 |
| Q2 2025 | $8.9M | $7.6M | $7.2M | $1.3M | $48K | 1.07% | 2.11% | 0.51% | 1,113 |
| Q1 2025 | $8.6M | $7.3M | $7.5M | $1.3M | $2K | 0.09% | 1.14% | 0.50% | 1,105 |
| Q4 2024 | $8.7M | $7.4M | $7.5M | $1.3M | $46K | 0.53% | 1.96% | 1.04% | 1,120 |
| Q3 2024 | $8.4M | $7.1M | $7.5M | $1.3M | $49K | 0.78% | 1.97% | 0.72% | 1,116 |
| Q2 2024 | $8.2M | $7.0M | $7.6M | $1.2M | $26K | 0.64% | 1.91% | 1.85% | 1,121 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $4.4M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 81.5% | 5th |
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.