| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.4 pts |
| ROA | 1.51% | 0.60% | +0.9 pts |
| ROE | 14.3% | 4.1% | +10.2 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.2M | $55.7M | $27.7M | $6.6M | $235K | 1.51% | 3.45% | 0.12% | 5,832 |
| Q4 2025 | $61.5M | $55.2M | $27.7M | $6.3M | $742K | 1.21% | 3.20% | 0.43% | 5,820 |
| Q3 2025 | $61.7M | $55.6M | $28.0M | $6.1M | $518K | 1.12% | 3.11% | 0.35% | 5,819 |
| Q2 2025 | $61.6M | $55.7M | $27.5M | $5.9M | $337K | 1.09% | 3.02% | 0.17% | 5,794 |
| Q1 2025 | $60.9M | $55.2M | $26.3M | $5.7M | $89K | 0.58% | 2.97% | 0.28% | 5,764 |
| Q4 2024 | $58.1M | $52.5M | $26.2M | $5.6M | $278K | 0.48% | 2.99% | 0.13% | 5,745 |
| Q3 2024 | $58.1M | $52.5M | $25.7M | $5.5M | $198K | 0.46% | 2.95% | 0.22% | 5,719 |
| Q2 2024 | $59.3M | $53.7M | $25.8M | $5.5M | $218K | 0.73% | 2.87% | 0.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,670 |
Loan mix (Q1 2026): real estate $7.8M · commercial $0 · consumer $17.6M · securities $27.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 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% |
The full ratio pack is part of CharterBench Pro.