| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +4.3% | -2.4% | +6.7 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.9M | $58.8M | $41.4M | $13.0M | $80K | 0.45% | 2.01% | 0.02% | 3,652 |
| Q4 2025 | $71.3M | $58.2M | $42.0M | $12.9M | $-80K | -0.11% | 1.65% | 0.03% | 3,636 |
| Q3 2025 | $70.0M | $57.0M | $41.3M | $12.8M | $-130K | -0.25% | 1.58% | 0.03% | 3,634 |
| Q2 2025 | $69.0M | $55.9M | $40.8M | $12.8M | $-137K | -0.40% | 1.51% | 0.04% | 3,613 |
| Q1 2025 | $69.5M | $56.5M | $39.7M | $12.9M | $-90K | -0.52% | 1.44% | 0.04% | 3,600 |
| Q4 2024 | $66.9M | $53.7M | $40.5M | $13.0M | $175K | 0.26% | 1.83% | 0.07% | 3,590 |
| Q3 2024 | $65.0M | $51.9M | $41.1M | $13.0M | $175K | 0.36% | 1.94% | 0.08% | 3,593 |
| Q2 2024 | $64.8M | $51.6M | $42.5M | $13.0M | $162K | 0.50% | 1.97% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,609 |
Loan mix (Q1 2026): real estate $28.6M · commercial $0 · consumer $8.8M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42th |
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.