| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.0 pts |
| ROA | 2.46% | 0.60% | +1.9 pts |
| ROE | 11.1% | 4.1% | +7.0 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.5M | $13.6M | $10.0M | $3.9M | $108K | 2.46% | 4.60% | 0.28% | 2,532 |
| Q4 2025 | $17.2M | $13.3M | $10.3M | $3.8M | $521K | 3.03% | 5.03% | 0.11% | 2,516 |
| Q3 2025 | $17.4M | $13.7M | $10.8M | $3.7M | $396K | 3.04% | 4.97% | 0.36% | 2,503 |
| Q2 2025 | $16.4M | $12.8M | $10.5M | $3.5M | $257K | 3.13% | 5.13% | 0.08% | 2,492 |
| Q1 2025 | $16.4M | $13.0M | $10.3M | $3.4M | $130K | 3.16% | 5.28% | 0.04% | 2,481 |
| Q4 2024 | $16.0M | $12.7M | $10.0M | $3.3M | $528K | 3.29% | 5.21% | 0.40% | 2,457 |
| Q3 2024 | $17.1M | $13.9M | $10.4M | $3.1M | $401K | 3.12% | 4.87% | 0.21% | 2,453 |
| Q2 2024 | $16.8M | $13.8M | $10.1M | $3.0M | $232K | 2.76% | 4.73% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.46% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,436 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.9M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 81.5% | 10th |
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.