| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 10.9% | 4.1% | +6.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.4M | $57.1M | $19.7M | $6.4M | $174K | 1.11% | 2.94% | 0.35% | 4,817 |
| Q4 2025 | $61.0M | $55.6M | $19.8M | $6.2M | $705K | 1.16% | 2.69% | 0.21% | 4,842 |
| Q3 2025 | $60.5M | $54.6M | $20.3M | $6.0M | $428K | 0.94% | 2.61% | 0.11% | 4,848 |
| Q2 2025 | $59.0M | $54.5M | $19.8M | $5.7M | $187K | 0.63% | 2.52% | 0.10% | 4,829 |
| Q1 2025 | $57.8M | $54.0M | $18.6M | $3.4M | $56K | 0.39% | 2.35% | 0.13% | 4,489 |
| Q4 2024 | $56.6M | $52.9M | $19.1M | $5.5M | $337K | 0.60% | 2.24% | 0.02% | 4,495 |
| Q3 2024 | $56.1M | $52.5M | $18.8M | $5.4M | $209K | 0.50% | 2.20% | 0.10% | 4,507 |
| Q2 2024 | $55.4M | $52.9M | $18.9M | $5.3M | $140K | 0.50% | 2.16% | 0.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,494 |
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $12.7M · securities $37.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 81.5% | 24th |
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.