| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +1.3% | +6.3 pts |
| Share growth (YoY) | +6.6% | +0.7% | +6.0 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.8 pts |
| ROA | 2.01% | 0.60% | +1.4 pts |
| ROE | 13.8% | 4.1% | +9.7 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.2M | $42.6M | $29.0M | $7.3M | $252K | 2.01% | 3.46% | 0.51% | 2,937 |
| Q4 2025 | $48.4M | $41.0M | $28.7M | $7.0M | $539K | 1.11% | 2.76% | 0.50% | 2,918 |
| Q3 2025 | $47.3M | $40.2M | $28.7M | $7.1M | $565K | 1.59% | 3.17% | 0.67% | 2,890 |
| Q2 2025 | $46.2M | $39.4M | $28.1M | $6.9M | $368K | 1.59% | 3.25% | 0.60% | 2,860 |
| Q1 2025 | $46.6M | $40.0M | $28.1M | $6.7M | $164K | 1.41% | 3.13% | 0.62% | 2,873 |
| Q4 2024 | $44.8M | $38.6M | $27.8M | $6.5M | $608K | 1.36% | 3.05% | 0.28% | 2,852 |
| Q3 2024 | $44.9M | $38.4M | $28.1M | $6.4M | $495K | 1.47% | 3.05% | 0.87% | 2,828 |
| Q2 2024 | $45.0M | $39.4M | $27.1M | $6.2M | $314K | 1.40% | 2.97% | 0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,795 |
Loan mix (Q1 2026): real estate $9.1M · commercial $0 · consumer $18.8M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 81.5% | 3th |
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.