| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +3.1% | -2.4% | +5.4 pts |
| ROA | 2.35% | 0.60% | +1.7 pts |
| ROE | 16.2% | 4.1% | +12.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.9M | $20.5M | $16.0M | $3.5M | $141K | 2.35% | 5.39% | 0.35% | 2,731 |
| Q4 2025 | $24.0M | $20.6M | $16.0M | $3.3M | $643K | 2.68% | 4.61% | 0.79% | 2,705 |
| Q3 2025 | $23.7M | $20.4M | $16.2M | $3.3M | $559K | 3.15% | 5.03% | 0.64% | 2,695 |
| Q2 2025 | $22.9M | $19.9M | $16.3M | $3.1M | $368K | 3.21% | 5.11% | 0.90% | 2,663 |
| Q1 2025 | $22.5M | $19.6M | $15.6M | $2.9M | $164K | 2.92% | 5.11% | 0.84% | 2,674 |
| Q4 2024 | $21.7M | $19.0M | $15.7M | $2.7M | $452K | 2.08% | 4.36% | 0.66% | 2,688 |
| Q3 2024 | $19.3M | $17.1M | $14.9M | $2.3M | $360K | 2.48% | 4.95% | 0.46% | 2,368 |
| Q2 2024 | $19.6M | $17.5M | $14.7M | $2.2M | $240K | 2.45% | 4.72% | 0.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,330 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $8.4M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 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.