| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +8.6% | +0.7% | +8.0 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 7.4% | 4.1% | +3.3 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.7M | $33.2M | $18.4M | $4.5M | $83K | 0.88% | 2.68% | 0.00% | 1,773 |
| Q4 2025 | $36.3M | $31.9M | $18.0M | $4.4M | $174K | 0.48% | 2.78% | 0.00% | 1,764 |
| Q3 2025 | $35.4M | $31.1M | $18.3M | $4.3M | $106K | 0.40% | 2.80% | 0.00% | 1,784 |
| Q2 2025 | $35.8M | $31.4M | $17.4M | $4.3M | $85K | 0.48% | 2.74% | 0.00% | 1,760 |
| Q1 2025 | $34.8M | $30.6M | $16.9M | $4.3M | $25K | 0.29% | 2.72% | 0.05% | 1,751 |
| Q4 2024 | $33.4M | $29.2M | $15.8M | $4.2M | $328K | 0.98% | 3.11% | 0.08% | 1,733 |
| Q3 2024 | $32.6M | $28.6M | $15.3M | $4.0M | $221K | 0.90% | 3.25% | 0.03% | 1,749 |
| Q2 2024 | $32.5M | $28.6M | $14.1M | $3.9M | $192K | 1.18% | 3.28% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,762 |
Loan mix (Q1 2026): real estate $11.8M · commercial $0 · consumer $6.5M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 81.5% | 33th |
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.