| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | +1.3% | -2.4% | +3.6 pts |
| ROA | 2.35% | 0.60% | +1.7 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.4M | $70.6M | $36.2M | $19.5M | $532K | 2.35% | 4.05% | 0.77% | 5,495 |
| Q4 2025 | $86.3M | $67.1M | $36.6M | $18.9M | $1.9M | 2.16% | 3.84% | 0.80% | 5,500 |
| Q3 2025 | $85.2M | $66.4M | $35.5M | $18.6M | $1.5M | 2.38% | 4.03% | 0.97% | 5,484 |
| Q2 2025 | $85.0M | $66.7M | $36.0M | $18.1M | $962K | 2.26% | 3.93% | 1.58% | 5,484 |
| Q1 2025 | $84.7M | $66.9M | $35.7M | $17.5M | $420K | 1.98% | 3.81% | 1.06% | 5,452 |
| Q4 2024 | $81.0M | $63.7M | $35.8M | $17.1M | $1.5M | 1.91% | 3.58% | 1.18% | 5,429 |
| Q3 2024 | $81.3M | $64.4M | $36.4M | $16.8M | $1.2M | 1.96% | 3.61% | 1.32% | 5,383 |
| Q2 2024 | $82.4M | $65.9M | $37.0M | $16.3M | $685K | 1.66% | 3.38% | 0.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,341 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $26.2M · securities $41.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 81.5% | 3th |
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.