| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.7 pts |
| Loan growth (YoY) | +4.5% | -2.4% | +6.8 pts |
| ROA | 1.92% | 0.60% | +1.3 pts |
| ROE | 11.1% | 4.1% | +7.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.5M | $81.4M | $25.9M | $17.1M | $473K | 1.92% | 3.85% | 0.39% | 5,274 |
| Q4 2025 | $95.8M | $79.2M | $27.2M | $16.6M | $2.1M | 2.21% | 3.88% | 1.06% | 5,305 |
| Q3 2025 | $94.8M | $78.7M | $27.8M | $16.0M | $1.5M | 2.15% | 3.86% | 0.44% | 5,341 |
| Q2 2025 | $95.7M | $80.1M | $28.3M | $15.5M | $1.0M | 2.11% | 3.75% | 0.13% | 5,367 |
| Q1 2025 | $97.3M | $82.2M | $24.8M | $14.9M | $411K | 1.69% | 3.51% | 0.18% | 5,359 |
| Q4 2024 | $94.6M | $80.1M | $26.0M | $14.5M | $1.7M | 1.84% | 3.32% | 0.79% | 5,395 |
| Q3 2024 | $95.4M | $81.4M | $26.8M | $14.0M | $1.2M | 1.70% | 3.23% | 0.11% | 5,442 |
| Q2 2024 | $94.9M | $81.5M | $26.9M | $13.5M | $737K | 1.55% | 3.08% | 0.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,461 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $14.0M · securities $56.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 81.5% | 7th |
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.