| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | -0.7% | -2.4% | +1.7 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $15.6M | $6.7M | $1.5M | $14K | 0.33% | 2.81% | 3.86% | 3,480 |
| Q4 2025 | $16.8M | $15.2M | $6.5M | $1.5M | $-66K | -0.40% | 2.80% | 4.32% | 2,388 |
| Q3 2025 | $16.5M | $14.9M | $6.8M | $1.5M | $53K | 0.43% | 2.82% | 5.09% | 2,395 |
| Q2 2025 | $16.2M | $14.7M | $6.7M | $1.5M | $52K | 0.64% | 2.94% | 4.51% | 2,402 |
| Q1 2025 | $16.2M | $14.7M | $6.7M | $1.5M | $16K | 0.39% | 2.84% | 3.91% | 2,399 |
| Q4 2024 | $16.3M | $14.8M | $6.9M | $1.4M | $59K | 0.36% | 3.15% | 1.56% | 2,391 |
| Q3 2024 | $16.1M | $14.6M | $7.2M | $1.4M | $35K | 0.29% | 3.24% | 4.07% | 2,397 |
| Q2 2024 | $16.4M | $15.0M | $7.2M | $1.4M | $17K | 0.20% | 3.12% | 5.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,405 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $4.1M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 81.5% | 67th |
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.