| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 2.32% | 0.60% | +1.7 pts |
| ROE | 12.8% | 4.1% | +8.7 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 | $27.8M | $22.3M | $20.9M | $5.0M | $161K | 2.32% | 5.58% | 0.20% | 3,596 |
| Q4 2025 | $26.7M | $21.4M | $21.1M | $4.9M | $291K | 1.09% | 5.55% | 0.40% | 3,584 |
| Q3 2025 | $26.9M | $21.7M | $20.8M | $4.8M | $210K | 1.04% | 5.36% | 0.30% | 3,629 |
| Q2 2025 | $26.6M | $21.4M | $20.7M | $4.8M | $166K | 1.24% | 5.24% | 0.32% | 3,634 |
| Q1 2025 | $26.5M | $21.4M | $20.7M | $4.7M | $79K | 1.19% | 5.13% | 0.30% | 3,628 |
| Q4 2024 | $25.7M | $20.7M | $20.3M | $4.6M | $196K | 0.76% | 4.81% | 0.16% | 3,640 |
| Q3 2024 | $25.2M | $20.1M | $19.8M | $4.6M | $152K | 0.81% | 4.91% | 0.10% | 3,649 |
| Q2 2024 | $25.8M | $20.8M | $18.8M | $4.5M | $42K | 0.33% | 4.75% | 0.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,715 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $15.4M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 81.5% | 20th |
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.