| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -4.9% | -2.4% | -2.5 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.0M | $29.6M | $13.3M | $4.3M | $91K | 1.07% | 2.51% | 1.34% | 2,088 |
| Q4 2025 | $33.5M | $29.3M | $14.1M | $4.2M | $309K | 0.92% | 2.49% | 1.35% | 2,097 |
| Q3 2025 | $32.9M | $28.7M | $14.5M | $4.1M | $255K | 1.03% | 2.49% | 1.75% | 2,103 |
| Q2 2025 | $32.9M | $28.8M | $14.3M | $4.0M | $142K | 0.86% | 2.33% | 1.82% | 2,094 |
| Q1 2025 | $32.5M | $28.5M | $13.9M | $3.9M | $62K | 0.76% | 2.28% | 1.48% | 2,103 |
| Q4 2024 | $31.5M | $27.6M | $13.8M | $3.9M | $294K | 0.93% | 2.37% | 1.45% | 2,106 |
| Q3 2024 | $31.3M | $27.5M | $13.7M | $3.8M | $225K | 0.96% | 2.39% | 1.34% | 2,096 |
| Q2 2024 | $31.1M | $27.3M | $13.1M | $3.7M | $138K | 0.89% | 2.32% | 1.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,079 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.8M · securities $19.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 81.5% | 10th |
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.