| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.0 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3M | $4.5M | $4.0M | $771K | $16K | 1.20% | 3.08% | 0.48% | 389 |
| Q4 2025 | $5.3M | $4.6M | $3.9M | $759K | $98K | 1.85% | 2.95% | 3.68% | 389 |
| Q3 2025 | $5.3M | $4.5M | $4.0M | $771K | $65K | 1.62% | 2.72% | 0.19% | 391 |
| Q2 2025 | $5.2M | $4.5M | $4.1M | $748K | $42K | 1.59% | 2.88% | 0.08% | 395 |
| Q1 2025 | $5.2M | $4.5M | $4.0M | $719K | $13K | 0.98% | 2.82% | 1.63% | 395 |
| Q4 2024 | $5.2M | $4.5M | $3.9M | $706K | $22K | 0.42% | 2.05% | 1.39% | 397 |
| Q3 2024 | $5.1M | $4.4M | $3.8M | $719K | $35K | 0.90% | 2.17% | 1.01% | 396 |
| Q2 2024 | $5.1M | $4.4M | $4.1M | $703K | $18K | 0.72% | 2.12% | 0.97% | 393 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $787K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 81.5% | 14th |
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.