| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | -0.0% | -2.4% | +2.3 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 8.4% | 4.1% | +4.3 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 | $51.0M | $44.3M | $14.3M | $6.7M | $141K | 1.10% | 2.83% | 0.06% | 2,484 |
| Q4 2025 | $49.0M | $42.4M | $14.3M | $6.5M | $462K | 0.94% | 2.67% | 0.19% | 2,490 |
| Q3 2025 | $48.3M | $41.9M | $14.7M | $6.4M | $323K | 0.89% | 2.67% | 0.25% | 2,508 |
| Q2 2025 | $48.9M | $42.5M | $14.2M | $6.3M | $211K | 0.86% | 2.57% | 0.31% | 2,511 |
| Q1 2025 | $48.6M | $42.4M | $14.3M | $6.2M | $89K | 0.73% | 2.47% | 0.18% | 2,517 |
| Q4 2024 | $46.4M | $40.3M | $14.8M | $6.1M | $239K | 0.51% | 2.32% | 0.09% | 2,517 |
| Q3 2024 | $45.2M | $39.1M | $14.5M | $6.0M | $195K | 0.57% | 2.37% | 0.25% | 2,526 |
| Q2 2024 | $45.5M | $39.5M | $14.6M | $6.0M | $139K | 0.61% | 2.31% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,529 |
Loan mix (Q1 2026): real estate $10.7M · commercial $0 · consumer $3.6M · securities $27.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 81.5% | 16th |
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.