| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +10.1% | -2.4% | +12.4 pts |
| ROA | 2.00% | 0.60% | +1.4 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.7M | $26.8M | $12.2M | $6.9M | $168K | 2.00% | 4.22% | 0.02% | 3,351 |
| Q4 2025 | $33.5M | $26.8M | $12.1M | $6.7M | $547K | 1.63% | 3.74% | 0.04% | 3,380 |
| Q3 2025 | $33.4M | $26.8M | $11.8M | $6.6M | $411K | 1.64% | 3.70% | 0.49% | 3,389 |
| Q2 2025 | $32.9M | $26.4M | $11.3M | $6.4M | $269K | 1.63% | 3.65% | 0.21% | 3,380 |
| Q1 2025 | $32.9M | $26.6M | $11.1M | $6.3M | $103K | 1.25% | 3.35% | 0.16% | 3,382 |
| Q4 2024 | $31.7M | $25.4M | $10.7M | $6.1M | $517K | 1.63% | 3.65% | 0.02% | 3,371 |
| Q3 2024 | $31.7M | $25.6M | $10.3M | $6.0M | $357K | 1.50% | 3.53% | 0.29% | 3,386 |
| Q2 2024 | $31.5M | $25.5M | $10.2M | $5.9M | $249K | 1.58% | 3.55% | 0.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,380 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.9M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 81.5% | 6th |
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.