| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +10.7% | -2.4% | +13.1 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.9M | $60.7M | $38.6M | $7.7M | $129K | 0.75% | 3.61% | 0.19% | 5,286 |
| Q4 2025 | $68.4M | $60.7M | $38.0M | $7.5M | $497K | 0.73% | 3.49% | 0.46% | 5,320 |
| Q3 2025 | $65.5M | $57.5M | $37.8M | $7.5M | $386K | 0.78% | 3.52% | 0.33% | 5,288 |
| Q2 2025 | $66.1M | $58.3M | $36.4M | $7.3M | $193K | 0.58% | 3.36% | 0.23% | 5,264 |
| Q1 2025 | $64.9M | $57.3M | $34.8M | $7.1M | $33K | 0.20% | 3.25% | 0.23% | 5,222 |
| Q4 2024 | $61.4M | $53.8M | $34.5M | $7.1M | $354K | 0.58% | 3.24% | 0.31% | 5,274 |
| Q3 2024 | $60.9M | $53.4M | $34.0M | $7.0M | $281K | 0.61% | 3.22% | 0.42% | 5,604 |
| Q2 2024 | $61.4M | $54.1M | $33.7M | $7.0M | $245K | 0.80% | 3.15% | 0.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,876 |
Loan mix (Q1 2026): real estate $16.2M · commercial $0 · consumer $21.5M · securities $21.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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.