| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +7.7% | +2.9% | +4.8 pts |
| ROA | 2.09% | 0.69% | +1.4 pts |
| ROE | 14.7% | 5.9% | +8.7 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $104.3M | $89.0M | $45.9M | $14.8M | $545K | 2.09% | 3.94% | 0.21% | 9,003 |
| Q4 2025 | $96.8M | $82.2M | $45.8M | $14.3M | $2.2M | 2.30% | 4.09% | 0.05% | 8,982 |
| Q3 2025 | $96.2M | $82.3M | $45.5M | $13.6M | $1.6M | 2.16% | 3.97% | 0.06% | 8,987 |
| Q2 2025 | $96.1M | $82.7M | $44.2M | $13.1M | $1.0M | 2.17% | 3.99% | 0.15% | 8,975 |
| Q1 2025 | $97.8M | $85.0M | $42.6M | $12.6M | $498K | 2.04% | 3.79% | 0.04% | 8,947 |
| Q4 2024 | $90.2M | $78.0M | $42.0M | $12.1M | $1.9M | 2.12% | 4.15% | 0.29% | 8,960 |
| Q3 2024 | $89.0M | $77.1M | $42.0M | $11.6M | $1.4M | 2.13% | 4.16% | 0.19% | 8,978 |
| Q2 2024 | $92.0M | $79.9M | $40.8M | $11.1M | $924K | 2.01% | 3.90% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,985 |
Loan mix (Q1 2026): real estate $14.7M · commercial $14.2M · consumer $15.7M · securities $45.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 78.7% | 5th |
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.