| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +9.1% | +0.7% | +8.4 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 4.2% | 4.1% | +0.1 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 | $3.2M | $2.5M | $881K | $653K | $7K | 0.86% | 3.83% | 0.45% | 887 |
| Q4 2025 | $3.0M | $2.4M | $915K | $650K | $22K | 0.72% | 3.85% | 0.20% | 867 |
| Q3 2025 | $3.2M | $2.6M | $846K | $647K | $19K | 0.79% | 3.92% | 1.15% | 863 |
| Q2 2025 | $3.1M | $2.5M | $933K | $637K | $9K | 0.55% | 4.01% | 0.41% | 853 |
| Q1 2025 | $2.9M | $2.3M | $880K | $632K | $4K | 0.52% | 4.11% | 0.83% | 844 |
| Q4 2024 | $2.7M | $2.1M | $973K | $628K | $11K | 0.39% | 4.86% | 0.69% | 825 |
| Q3 2024 | $3.1M | $2.5M | $970K | $617K | $-726 | -0.03% | 4.36% | 0.69% | 812 |
| Q2 2024 | $3.0M | $2.4M | $976K | $614K | $-4K | -0.28% | 4.48% | 1.34% | 794 |
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 | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $736K · securities $259K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 81.5% | 58th |
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% |
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