| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +5.6% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.5 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.8M | $48.5M | $20.8M | $8.2M | $121K | 0.87% | 3.88% | 1.49% | 3,926 |
| Q4 2025 | $55.4M | $48.2M | $21.3M | $8.1M | $400K | 0.72% | 3.62% | 1.06% | 3,898 |
| Q3 2025 | $54.1M | $47.1M | $21.0M | $8.0M | $254K | 0.63% | 3.64% | 1.35% | 3,888 |
| Q2 2025 | $53.3M | $46.7M | $21.3M | $7.8M | $129K | 0.49% | 3.58% | 1.35% | 3,887 |
| Q1 2025 | $52.4M | $45.9M | $21.6M | $7.7M | $-21K | -0.16% | 3.50% | 1.15% | 3,893 |
| Q4 2024 | $51.6M | $45.1M | $21.5M | $7.9M | $261K | 0.51% | 3.39% | 1.33% | 3,903 |
| Q3 2024 | $49.6M | $42.9M | $21.5M | $7.8M | $164K | 0.44% | 3.51% | 0.53% | 3,876 |
| Q2 2024 | $48.0M | $41.9M | $21.1M | $7.8M | $82K | 0.34% | 3.56% | 0.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,846 |
Loan mix (Q1 2026): real estate $192K · commercial $0 · consumer $19.0M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 81.5% | 40th |
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% |
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