| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 2.16% | 0.60% | +1.6 pts |
| ROE | 12.1% | 4.1% | +8.0 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $10.5M | $4.0M | $2.3M | $69K | 2.16% | 4.98% | 0.16% | 1,848 |
| Q4 2025 | $12.8M | $10.5M | $4.5M | $2.2M | $229K | 1.79% | 4.97% | 0.08% | 1,855 |
| Q3 2025 | $12.8M | $10.7M | $4.3M | $2.1M | $156K | 1.62% | 4.79% | 0.18% | 1,831 |
| Q2 2025 | $12.9M | $10.8M | $3.9M | $2.1M | $97K | 1.52% | 4.69% | 0.19% | 1,816 |
| Q1 2025 | $12.8M | $10.7M | $4.1M | $2.0M | $56K | 1.75% | 4.82% | 0.00% | 1,832 |
| Q4 2024 | $12.7M | $10.7M | $4.6M | $2.0M | $140K | 1.10% | 4.10% | 0.02% | 1,846 |
| Q3 2024 | $12.7M | $10.8M | $4.5M | $1.9M | $80K | 0.84% | 3.81% | 0.08% | 1,828 |
| Q2 2024 | $12.8M | $10.9M | $4.8M | $1.9M | $34K | 0.53% | 3.60% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,821 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 81.5% | 10th |
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.