| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.8M | $34.9M | $17.5M | $6.1M | $85K | 0.83% | 2.97% | 0.83% | 2,594 |
| Q4 2025 | $41.1M | $34.9M | $18.3M | $6.0M | $254K | 0.62% | 2.70% | 0.55% | 2,633 |
| Q3 2025 | $41.3M | $35.5M | $18.0M | $6.0M | $150K | 0.48% | 2.59% | 0.17% | 2,617 |
| Q2 2025 | $41.4M | $35.6M | $17.8M | $5.9M | $77K | 0.37% | 2.49% | 1.31% | 2,634 |
| Q1 2025 | $40.4M | $35.0M | $17.8M | $5.8M | $16K | 0.16% | 2.52% | 0.75% | 2,633 |
| Q4 2024 | $39.4M | $34.1M | $18.1M | $5.8M | $259K | 0.66% | 2.78% | 1.51% | 2,763 |
| Q3 2024 | $40.4M | $34.8M | $18.3M | $5.8M | $186K | 0.61% | 2.72% | 0.97% | 2,747 |
| Q2 2024 | $40.2M | $35.1M | $18.8M | $5.7M | $116K | 0.58% | 2.75% | 0.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,750 |
Loan mix (Q1 2026): real estate $4.6M · commercial $2.6M · consumer $4.9M · securities $18.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 81.5% | 44th |
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.