| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 9.3% | 4.1% | +5.2 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 | $75.0M | $64.3M | $39.0M | $9.6M | $223K | 1.19% | 3.68% | 0.71% | 7,007 |
| Q4 2025 | $73.4M | $63.1M | $39.1M | $9.4M | $687K | 0.94% | 3.61% | 0.83% | 7,010 |
| Q3 2025 | $75.1M | $65.0M | $38.3M | $9.2M | $478K | 0.85% | 3.50% | 0.48% | 7,101 |
| Q2 2025 | $72.9M | $62.9M | $38.8M | $8.9M | $261K | 0.72% | 3.52% | 0.64% | 7,106 |
| Q1 2025 | $72.7M | $63.0M | $38.6M | $8.7M | $65K | 0.36% | 3.39% | 0.54% | 7,077 |
| Q4 2024 | $70.3M | $60.7M | $39.1M | $8.7M | $490K | 0.70% | 3.36% | 0.42% | 7,065 |
| Q3 2024 | $69.9M | $60.1M | $39.0M | $8.6M | $368K | 0.70% | 3.33% | 0.47% | 7,155 |
| Q2 2024 | $70.5M | $60.3M | $38.5M | $8.4M | $239K | 0.68% | 3.20% | 0.75% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,085 |
Loan mix (Q1 2026): real estate $15.7M · commercial $6.0M · consumer $16.7M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 81.5% | 22th |
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.