| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.0 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.4 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.5M | $22.9M | $15.7M | $7.4M | $36K | 0.47% | 4.44% | 0.72% | 3,058 |
| Q4 2025 | $30.7M | $23.2M | $16.0M | $7.4M | $455K | 1.48% | 4.35% | 1.39% | 3,051 |
| Q3 2025 | $28.9M | $21.5M | $15.8M | $7.3M | $333K | 1.53% | 4.52% | 0.53% | 3,023 |
| Q2 2025 | $28.7M | $21.5M | $15.7M | $7.1M | $183K | 1.28% | 4.35% | 0.61% | 3,022 |
| Q1 2025 | $28.6M | $21.4M | $16.0M | $7.0M | $91K | 1.27% | 4.34% | 0.67% | 3,007 |
| Q4 2024 | $28.6M | $21.5M | $16.1M | $7.0M | $613K | 2.14% | 4.60% | 1.89% | 2,988 |
| Q3 2024 | $27.2M | $20.4M | $16.1M | $6.8M | $445K | 2.18% | 4.88% | 0.55% | 2,984 |
| Q2 2024 | $26.9M | $20.1M | $16.4M | $6.6M | $182K | 1.35% | 4.90% | 0.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,984 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $13.1M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 68th |
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.