| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.2 pts |
| ROA | 2.33% | 0.60% | +1.7 pts |
| ROE | 15.3% | 4.1% | +11.2 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 | $99.1M | $83.2M | $54.0M | $15.1M | $578K | 2.33% | 4.04% | 0.59% | 8,107 |
| Q4 2025 | $101.1M | $85.6M | $55.2M | $14.9M | $944K | 0.93% | 3.71% | 0.75% | 8,131 |
| Q3 2025 | $99.9M | $84.4M | $55.0M | $14.7M | $716K | 0.95% | 3.66% | 0.72% | 8,107 |
| Q2 2025 | $96.4M | $80.7M | $53.2M | $14.4M | $576K | 1.19% | 3.71% | 0.50% | 8,111 |
| Q1 2025 | $95.3M | $79.6M | $52.5M | $14.1M | $137K | 0.57% | 3.53% | 0.46% | 8,093 |
| Q4 2024 | $89.3M | $74.6M | $53.4M | $13.9M | $747K | 0.84% | 3.81% | 0.50% | 8,103 |
| Q3 2024 | $91.9M | $77.0M | $52.5M | $13.7M | $486K | 0.71% | 3.64% | 0.44% | 7,997 |
| Q2 2024 | $88.4M | $73.7M | $52.8M | $13.5M | $293K | 0.66% | 3.65% | 0.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,932 |
Loan mix (Q1 2026): real estate $32.4M · commercial $0 · consumer $18.7M · securities $25.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 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.