| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.5M | $56.7M | $55.3M | $11.5M | $121K | 0.68% | 4.97% | 2.31% | 5,754 |
| Q4 2025 | $72.7M | $55.4M | $56.5M | $11.4M | $1.3M | 1.78% | 4.82% | 5.42% | 5,766 |
| Q3 2025 | $69.8M | $53.8M | $55.4M | $11.3M | $1.2M | 2.31% | 4.96% | 5.75% | 5,820 |
| Q2 2025 | $68.0M | $53.7M | $54.3M | $10.4M | $292K | 0.86% | 5.02% | 6.00% | 5,814 |
| Q1 2025 | $69.7M | $55.6M | $53.9M | $10.2M | $63K | 0.36% | 4.65% | 2.79% | 5,831 |
| Q4 2024 | $68.9M | $52.4M | $51.8M | $10.1M | $558K | 0.81% | 4.16% | 5.09% | 5,887 |
| Q3 2024 | $70.4M | $56.3M | $51.6M | $9.7M | $126K | 0.24% | 3.98% | 4.45% | 5,965 |
| Q2 2024 | $71.7M | $57.6M | $49.7M | $9.7M | $203K | 0.57% | 3.80% | 3.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,021 |
Loan mix (Q1 2026): real estate $35.0M · commercial $0 · consumer $18.0M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 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.