| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.5 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.6M | $21.9M | $7.1M | $3.6M | $99K | 1.55% | 3.70% | 1.08% | 2,156 |
| Q4 2025 | $25.4M | $21.9M | $7.1M | $3.5M | $557K | 2.19% | 4.18% | 1.10% | 2,147 |
| Q3 2025 | $24.0M | $20.6M | $7.3M | $3.4M | $418K | 2.32% | 4.47% | 0.06% | 2,162 |
| Q2 2025 | $25.5M | $22.2M | $7.3M | $3.3M | $291K | 2.28% | 4.18% | 0.02% | 2,155 |
| Q1 2025 | $25.0M | $21.9M | $6.9M | $3.1M | $142K | 2.27% | 4.17% | 1.20% | 2,172 |
| Q4 2024 | $24.1M | $21.1M | $6.8M | $3.0M | $595K | 2.47% | 4.58% | 0.47% | 2,170 |
| Q3 2024 | $24.4M | $21.6M | $6.9M | $2.8M | $462K | 2.52% | 4.53% | 0.39% | 2,187 |
| Q2 2024 | $24.5M | $21.8M | $6.9M | $2.7M | $315K | 2.57% | 4.41% | 0.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,179 |
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $5.6M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 81.5% | 13th |
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.