| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.6 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +3.9 pts |
| ROA | 2.13% | 0.60% | +1.5 pts |
| ROE | 10.4% | 4.1% | +6.3 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.6M | $31.4M | $11.2M | $8.1M | $211K | 2.13% | 3.58% | 0.00% | 2,408 |
| Q4 2025 | $37.4M | $29.4M | $11.2M | $7.9M | $878K | 2.35% | 3.55% | 0.00% | 2,416 |
| Q3 2025 | $37.1M | $29.3M | $11.0M | $7.7M | $682K | 2.45% | 3.54% | 0.02% | 2,419 |
| Q2 2025 | $37.5M | $30.0M | $11.0M | $7.5M | $428K | 2.28% | 3.40% | 0.00% | 2,414 |
| Q1 2025 | $37.2M | $29.8M | $11.0M | $7.3M | $211K | 2.27% | 3.29% | 0.12% | 2,413 |
| Q4 2024 | $36.0M | $28.8M | $10.8M | $7.1M | $750K | 2.08% | 3.27% | 0.02% | 2,421 |
| Q3 2024 | $36.4M | $29.4M | $11.2M | $6.8M | $524K | 1.92% | 3.21% | 0.00% | 2,432 |
| Q2 2024 | $36.9M | $30.0M | $10.9M | $6.6M | $342K | 1.86% | 3.07% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,417 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.5M · securities $18.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 81.5% | 4th |
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.