| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.9% | -0.5 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.4 pts |
| ROA | 1.24% | 0.69% | +0.5 pts |
| ROE | 11.7% | 5.9% | +5.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.1M | $90.5M | $86.0M | $10.8M | $315K | 1.24% | 4.43% | 1.16% | 4,881 |
| Q4 2025 | $105.4M | $87.7M | $86.7M | $10.4M | $1.1M | 1.06% | 4.10% | 1.04% | 4,885 |
| Q3 2025 | $104.1M | $84.9M | $87.5M | $10.1M | $810K | 1.04% | 4.09% | 2.04% | 4,857 |
| Q2 2025 | $100.5M | $86.6M | $84.7M | $9.8M | $512K | 1.02% | 4.13% | 1.25% | 4,840 |
| Q1 2025 | $98.7M | $84.7M | $85.6M | $9.5M | $212K | 0.86% | 4.07% | 1.00% | 4,787 |
| Q4 2024 | $95.6M | $83.0M | $82.9M | $9.3M | $529K | 0.55% | 3.87% | 1.05% | 5,315 |
| Q3 2024 | $94.1M | $78.3M | $81.3M | $9.1M | $349K | 0.49% | 3.89% | 1.32% | 5,293 |
| Q2 2024 | $92.1M | $78.1M | $80.0M | $8.9M | $108K | 0.23% | 3.95% | 1.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,062 |
Loan mix (Q1 2026): real estate $13.4M · commercial $56.9M · consumer $10.0M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 78.7% | 23th |
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.