| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 8.7% | 4.1% | +4.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $61.7M | $55.5M | $52.1M | $6.1M | $132K | 0.86% | 3.20% | 0.24% | 2,590 |
| Q4 2025 | $73.9M | $67.7M | $55.9M | $5.9M | $367K | 0.50% | 2.59% | 0.72% | 2,601 |
| Q3 2025 | $60.0M | $54.1M | $54.6M | $5.8M | $463K | 1.03% | 3.13% | 0.12% | 2,615 |
| Q2 2025 | $60.7M | $54.9M | $52.9M | $5.7M | $279K | 0.92% | 3.03% | 0.66% | 2,611 |
| Q1 2025 | $60.1M | $54.4M | $51.8M | $5.5M | $152K | 1.01% | 2.98% | 0.06% | 2,602 |
| Q4 2024 | $53.5M | $48.0M | $49.0M | $5.3M | $440K | 0.82% | 2.84% | 0.01% | 2,609 |
| Q3 2024 | $52.9M | $44.5M | $48.7M | $5.2M | $251K | 0.63% | 2.76% | 0.20% | 2,612 |
| Q2 2024 | $52.6M | $44.8M | $47.7M | $5.1M | $221K | 0.84% | 2.66% | 0.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,614 |
Loan mix (Q1 2026): real estate $33.9M · commercial $25K · consumer $14.9M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 81.5% | 29th |
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.