| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.8 pts |
| ROA | 1.34% | 0.60% | +0.7 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.9M | $66.2M | $48.8M | $12.3M | $264K | 1.34% | 4.14% | 0.81% | 4,701 |
| Q4 2025 | $76.4M | $63.4M | $49.4M | $12.0M | $450K | 0.59% | 4.13% | 1.12% | 4,706 |
| Q3 2025 | $75.9M | $63.0M | $49.4M | $11.9M | $294K | 0.52% | 4.10% | 0.84% | 4,809 |
| Q2 2025 | $76.4M | $63.9M | $48.6M | $11.8M | $174K | 0.46% | 4.00% | 0.67% | 4,766 |
| Q1 2025 | $77.0M | $64.7M | $49.1M | $11.7M | $90K | 0.47% | 3.88% | 0.55% | 4,746 |
| Q4 2024 | $75.4M | $63.2M | $49.4M | $11.6M | $519K | 0.69% | 3.58% | 0.69% | 4,757 |
| Q3 2024 | $75.8M | $63.9M | $49.6M | $11.4M | $375K | 0.66% | 3.47% | 0.82% | 4,875 |
| Q2 2024 | $77.7M | $65.6M | $48.8M | $11.3M | $208K | 0.54% | 3.27% | 0.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,873 |
Loan mix (Q1 2026): real estate $30.9M · commercial $0 · consumer $15.1M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 32th |
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.