| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.2M | $38.7M | $25.7M | $3.5M | $85K | 0.81% | 4.49% | 0.31% | 3,958 |
| Q4 2025 | $41.4M | $39.0M | $25.4M | $3.4M | $228K | 0.55% | 4.47% | 0.62% | 3,932 |
| Q3 2025 | $40.9M | $37.3M | $25.3M | $3.3M | $162K | 0.53% | 4.46% | 0.79% | 3,898 |
| Q2 2025 | $40.4M | $37.1M | $25.1M | $3.3M | $120K | 0.59% | 4.44% | 0.98% | 3,954 |
| Q1 2025 | $41.4M | $37.9M | $24.6M | $3.2M | $36K | 0.34% | 4.19% | 0.46% | 3,926 |
| Q4 2024 | $40.1M | $36.5M | $25.6M | $3.2M | $123K | 0.31% | 4.34% | 0.90% | 3,921 |
| Q3 2024 | $37.2M | $33.5M | $25.9M | $3.1M | $35K | 0.12% | 4.57% | 0.93% | 3,971 |
| Q2 2024 | $36.7M | $33.3M | $26.9M | $3.1M | $-861 | -0.00% | 4.56% | 0.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,950 |
Loan mix (Q1 2026): real estate $5.3M · commercial $0 · consumer $19.1M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 81.5% | 29th |
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.