| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.4 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.0M | $18.0M | $5.8M | $2.9M | $22K | 0.42% | 3.24% | 0.00% | 2,977 |
| Q4 2025 | $20.1M | $17.2M | $5.6M | $2.9M | $67K | 0.33% | 3.02% | 0.20% | 3,001 |
| Q3 2025 | $20.8M | $17.8M | $5.3M | $2.9M | $58K | 0.37% | 2.89% | 0.00% | 3,006 |
| Q2 2025 | $20.2M | $17.3M | $5.4M | $2.9M | $24K | 0.24% | 2.86% | 0.04% | 3,025 |
| Q1 2025 | $20.4M | $17.5M | $5.5M | $2.9M | $14K | 0.27% | 2.73% | 0.00% | 3,033 |
| Q4 2024 | $19.9M | $16.9M | $5.8M | $2.9M | $132K | 0.67% | 2.71% | 0.00% | 3,063 |
| Q3 2024 | $20.3M | $17.4M | $6.0M | $2.9M | $105K | 0.69% | 2.61% | 0.10% | 3,089 |
| Q2 2024 | $20.3M | $17.4M | $6.3M | $2.8M | $75K | 0.74% | 2.55% | 0.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,142 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.7M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.7% | 81.5% | 72th |
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.