| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +3.9 pts |
| ROA | 2.32% | 0.60% | +1.7 pts |
| ROE | 12.8% | 4.1% | +8.7 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 | $29.5M | $23.9M | $10.5M | $5.4M | $171K | 2.32% | 4.88% | 0.69% | 2,181 |
| Q4 2025 | $28.9M | $23.6M | $10.6M | $5.2M | $661K | 2.28% | 4.85% | 0.96% | 2,176 |
| Q3 2025 | $28.4M | $23.1M | $10.6M | $5.0M | $458K | 2.16% | 4.88% | 0.73% | 2,178 |
| Q2 2025 | $28.5M | $23.3M | $10.5M | $4.8M | $295K | 2.07% | 4.74% | 1.08% | 2,144 |
| Q1 2025 | $28.3M | $23.1M | $10.3M | $4.7M | $127K | 1.79% | 4.58% | 1.80% | 2,136 |
| Q4 2024 | $26.7M | $21.9M | $10.8M | $4.5M | $531K | 1.99% | 4.74% | 0.98% | 2,152 |
| Q3 2024 | $26.7M | $22.0M | $11.0M | $4.4M | $438K | 2.18% | 4.67% | 0.85% | 2,155 |
| Q2 2024 | $27.1M | $22.6M | $10.8M | $4.3M | $267K | 1.97% | 4.51% | 0.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,120 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.4M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 81.5% | 12th |
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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