| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.6% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +13.6% | -2.4% | +15.9 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.6M | $23.7M | $19.6M | $2.2M | $57K | 0.85% | 2.88% | 0.18% | 1,893 |
| Q4 2025 | $26.7M | $24.0M | $18.7M | $2.1M | $136K | 0.51% | 2.65% | 0.09% | 1,907 |
| Q3 2025 | $25.9M | $23.2M | $18.3M | $2.1M | $91K | 0.47% | 2.62% | 0.09% | 1,875 |
| Q2 2025 | $25.8M | $23.1M | $17.2M | $2.0M | $40K | 0.31% | 2.51% | 0.00% | 1,902 |
| Q1 2025 | $25.3M | $22.6M | $17.3M | $2.0M | $23K | 0.36% | 2.38% | 0.00% | 1,887 |
| Q4 2024 | $24.0M | $21.3M | $15.9M | $2.0M | $50K | 0.21% | 2.17% | 0.00% | 1,860 |
| Q3 2024 | $21.5M | $18.9M | $15.5M | $2.0M | $60K | 0.37% | 2.41% | 0.00% | 1,840 |
| Q2 2024 | $19.4M | $16.9M | $15.6M | $2.0M | $43K | 0.44% | 2.65% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,823 |
Loan mix (Q1 2026): real estate $12.0M · commercial $0 · consumer $7.6M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 81.5% | 26th |
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.