| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.4 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.1 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 13.0% | 4.1% | +8.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.2M | $39.2M | $21.4M | $5.8M | $189K | 1.67% | 4.28% | 1.08% | 5,304 |
| Q4 2025 | $42.4M | $36.6M | $22.4M | $5.6M | $803K | 1.89% | 4.66% | 0.82% | 5,309 |
| Q3 2025 | $43.4M | $37.8M | $20.8M | $5.4M | $516K | 1.58% | 4.47% | 0.65% | 5,310 |
| Q2 2025 | $42.6M | $37.2M | $21.5M | $5.2M | $361K | 1.69% | 4.46% | 0.42% | 5,303 |
| Q1 2025 | $42.5M | $37.3M | $19.7M | $5.0M | $155K | 1.46% | 4.31% | 1.27% | 5,296 |
| Q4 2024 | $40.5M | $35.6M | $20.6M | $4.8M | $723K | 1.78% | 4.52% | 0.73% | 5,295 |
| Q3 2024 | $39.8M | $35.0M | $21.9M | $4.6M | $518K | 1.74% | 4.55% | 1.05% | 5,334 |
| Q2 2024 | $39.5M | $34.9M | $22.0M | $4.4M | $344K | 1.74% | 4.48% | 0.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,336 |
Loan mix (Q1 2026): real estate $7.6M · commercial $0 · consumer $13.1M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 81.5% | 19th |
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.