| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +10.0% | +0.7% | +9.3 pts |
| Loan growth (YoY) | +11.8% | -2.4% | +14.1 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 8.3% | 4.1% | +4.2 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 | $44.9M | $38.7M | $13.0M | $6.1M | $125K | 1.12% | 2.90% | 0.04% | 2,252 |
| Q4 2025 | $44.1M | $38.0M | $13.0M | $5.9M | $558K | 1.27% | 3.10% | 0.15% | 2,247 |
| Q3 2025 | $42.8M | $36.9M | $13.0M | $5.8M | $436K | 1.36% | 3.20% | 0.05% | 2,265 |
| Q2 2025 | $42.0M | $36.3M | $12.5M | $5.7M | $280K | 1.33% | 3.25% | 0.06% | 2,271 |
| Q1 2025 | $40.8M | $35.2M | $11.6M | $5.5M | $139K | 1.37% | 3.27% | 0.05% | 2,264 |
| Q4 2024 | $39.1M | $33.6M | $11.2M | $5.4M | $589K | 1.51% | 3.44% | 0.06% | 2,281 |
| Q3 2024 | $38.0M | $32.7M | $11.3M | $5.2M | $454K | 1.59% | 3.52% | 0.16% | 2,249 |
| Q2 2024 | $37.4M | $32.3M | $11.5M | $5.0M | $243K | 1.30% | 3.53% | 0.07% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,243 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12.2M · securities $25.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 81.5% | 18th |
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% |
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