| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +4.6% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.9M | $17.4M | $10.2M | $1.8M | $21K | 0.44% | 4.03% | 0.44% | 2,216 |
| Q4 2025 | $17.7M | $16.2M | $10.0M | $1.8M | $191K | 1.08% | 4.09% | 0.42% | 2,189 |
| Q3 2025 | $18.4M | $16.9M | $9.8M | $1.8M | $128K | 0.93% | 3.72% | 0.62% | 2,176 |
| Q2 2025 | $18.4M | $16.9M | $10.0M | $1.7M | $84K | 0.91% | 3.60% | 0.25% | 2,166 |
| Q1 2025 | $18.3M | $16.7M | $9.9M | $1.7M | $29K | 0.64% | 3.59% | 0.81% | 2,150 |
| Q4 2024 | $17.6M | $16.3M | $10.2M | $1.6M | $112K | 0.64% | 3.38% | 1.41% | 2,156 |
| Q3 2024 | $16.3M | $14.9M | $10.2M | $1.6M | $75K | 0.61% | 3.63% | 0.92% | 2,129 |
| Q2 2024 | $16.6M | $15.2M | $9.8M | $1.6M | $43K | 0.52% | 3.34% | 0.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,124 |
Loan mix (Q1 2026): real estate $3.4M · commercial $506K · consumer $4.9M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 70th |
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.