| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.5 pts |
| ROA | 2.36% | 0.60% | +1.8 pts |
| ROE | 13.0% | 4.1% | +8.9 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 | $32.5M | $26.5M | $15.1M | $5.9M | $191K | 2.36% | 4.63% | 0.34% | 2,822 |
| Q4 2025 | $32.8M | $27.0M | $15.5M | $5.7M | $398K | 1.21% | 3.83% | 0.55% | 2,834 |
| Q3 2025 | $33.1M | $27.2M | $15.7M | $5.8M | $549K | 2.21% | 4.75% | 0.69% | 2,843 |
| Q2 2025 | $31.3M | $25.6M | $15.8M | $5.6M | $346K | 2.21% | 4.94% | 0.18% | 2,830 |
| Q1 2025 | $31.2M | $25.7M | $15.4M | $5.4M | $152K | 1.94% | 4.89% | 0.10% | 2,836 |
| Q4 2024 | $30.9M | $25.5M | $15.4M | $5.3M | $742K | 2.40% | 4.87% | 0.24% | 2,856 |
| Q3 2024 | $31.0M | $25.8M | $15.2M | $5.1M | $610K | 2.62% | 4.83% | 0.27% | 2,884 |
| Q2 2024 | $31.6M | $26.4M | $14.6M | $4.9M | $419K | 2.65% | 4.62% | 0.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,892 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $11.7M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 81.5% | 11th |
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.