| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.0 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.6M | $13.6M | $8.8M | $3.4M | $48K | 1.16% | 4.89% | 0.00% | 1,898 |
| Q4 2025 | $16.6M | $13.6M | $8.8M | $3.3M | $249K | 1.50% | 4.99% | 0.05% | 1,888 |
| Q3 2025 | $16.5M | $13.6M | $8.8M | $3.3M | $235K | 1.90% | 5.00% | 0.00% | 1,880 |
| Q2 2025 | $16.0M | $13.2M | $8.7M | $3.3M | $145K | 1.81% | 5.15% | 0.11% | 1,867 |
| Q1 2025 | $16.4M | $13.6M | $8.7M | $3.2M | $54K | 1.31% | 5.02% | 0.06% | 1,850 |
| Q4 2024 | $15.8M | $13.1M | $8.8M | $3.1M | $294K | 1.87% | 5.29% | 0.19% | 1,850 |
| Q3 2024 | $15.4M | $12.9M | $8.6M | $3.1M | $310K | 2.69% | 5.41% | 0.11% | 1,838 |
| Q2 2024 | $15.3M | $12.8M | $8.5M | $3.0M | $205K | 2.68% | 5.41% | 0.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,828 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.1M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 81.5% | 47th |
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.