| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | 1.45% | 0.60% | +0.8 pts |
| ROE | 12.4% | 4.1% | +8.3 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.6M | $5.9M | $4.2M | $781K | $24K | 1.45% | 2.83% | 0.00% | 628 |
| Q4 2025 | $6.4M | $5.6M | $4.4M | $761K | $40K | 0.62% | 2.20% | 0.00% | 622 |
| Q3 2025 | $6.4M | $5.6M | $4.3M | $806K | $64K | 1.33% | 2.97% | 1.07% | 613 |
| Q2 2025 | $6.6M | $5.8M | $4.2M | $788K | $41K | 1.25% | 2.81% | 0.00% | 607 |
| Q1 2025 | $6.5M | $5.7M | $3.9M | $769K | $22K | 1.39% | 2.94% | 0.00% | 600 |
| Q4 2024 | $6.3M | $5.5M | $4.0M | $747K | $29K | 0.46% | 1.88% | 0.10% | 594 |
| Q3 2024 | $6.1M | $5.3M | $4.1M | $769K | $51K | 1.12% | 2.57% | 0.78% | 591 |
| Q2 2024 | $6.0M | $5.2M | $4.1M | $752K | $35K | 1.15% | 2.62% | 0.04% | 582 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.2% | 81.5% | 4th |
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.