| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.8M | $66.0M | $29.6M | $8.9M | $105K | 0.56% | 3.16% | 0.65% | 4,247 |
| Q4 2025 | $72.4M | $63.6M | $30.3M | $8.8M | $328K | 0.45% | 2.99% | 1.16% | 4,266 |
| Q3 2025 | $71.6M | $62.9M | $30.5M | $8.8M | $276K | 0.51% | 3.02% | 1.39% | 4,234 |
| Q2 2025 | $72.5M | $64.2M | $31.5M | $8.7M | $149K | 0.41% | 2.90% | 0.32% | 4,232 |
| Q1 2025 | $73.3M | $65.2M | $31.0M | $8.6M | $33K | 0.18% | 2.69% | 0.54% | 4,206 |
| Q4 2024 | $69.5M | $61.5M | $32.7M | $8.5M | $246K | 0.35% | 2.60% | 0.95% | 4,188 |
| Q3 2024 | $67.9M | $60.0M | $33.6M | $8.4M | $142K | 0.28% | 2.59% | 0.97% | 4,223 |
| Q2 2024 | $68.5M | $61.4M | $35.1M | $8.3M | $21K | 0.06% | 2.47% | 0.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,204 |
Loan mix (Q1 2026): real estate $14.1M · commercial $0 · consumer $13.9M · securities $37.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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.