| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.3 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.8M | $51.6M | $26.2M | $11.8M | $172K | 1.08% | 2.95% | 0.67% | 3,188 |
| Q4 2025 | $62.1M | $50.1M | $26.6M | $11.6M | $772K | 1.24% | 3.09% | 0.97% | 2,897 |
| Q3 2025 | $61.6M | $49.9M | $26.5M | $11.5M | $584K | 1.26% | 3.10% | 0.98% | 2,902 |
| Q2 2025 | $61.5M | $49.6M | $26.1M | $11.3M | $377K | 1.23% | 3.04% | 0.94% | 2,891 |
| Q1 2025 | $61.5M | $50.0M | $25.4M | $11.0M | $162K | 1.05% | 2.93% | 0.86% | 2,881 |
| Q4 2024 | $59.6M | $48.4M | $25.3M | $10.9M | $650K | 1.09% | 2.83% | 0.89% | 2,911 |
| Q3 2024 | $57.4M | $46.3M | $25.6M | $10.7M | $448K | 1.04% | 2.88% | 0.89% | 2,907 |
| Q2 2024 | $56.9M | $46.2M | $26.0M | $10.6M | $275K | 0.97% | 2.80% | 0.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,887 |
Loan mix (Q1 2026): real estate $17.5M · commercial $0 · consumer $8.2M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 81.5% | 20th |
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.