| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.3 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 9.9% | 4.1% | +5.8 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 | $18.6M | $17.0M | $7.9M | $1.6M | $39K | 0.85% | 4.31% | 0.49% | 2,168 |
| Q4 2025 | $18.8M | $17.1M | $8.1M | $1.6M | $202K | 1.07% | 4.05% | 0.58% | 2,148 |
| Q3 2025 | $18.6M | $17.0M | $8.2M | $1.5M | $167K | 1.20% | 4.00% | 0.54% | 2,153 |
| Q2 2025 | $18.7M | $17.2M | $8.3M | $1.5M | $98K | 1.05% | 3.86% | 0.10% | 2,150 |
| Q1 2025 | $17.9M | $16.4M | $8.1M | $1.4M | $44K | 0.98% | 3.89% | 0.07% | 2,143 |
| Q4 2024 | $17.3M | $16.0M | $8.4M | $1.4M | $158K | 0.91% | 3.83% | 0.03% | 2,133 |
| Q3 2024 | $17.9M | $16.5M | $8.6M | $1.3M | $117K | 0.87% | 3.65% | 0.17% | 2,133 |
| Q2 2024 | $17.7M | $16.3M | $8.7M | $1.3M | $76K | 0.86% | 3.60% | 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 | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,109 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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.