| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | +7.5% | -2.4% | +9.9 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 5.3% | 4.1% | +1.2 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 | $33.0M | $29.0M | $17.3M | $3.5M | $47K | 0.57% | 4.38% | 0.21% | 2,649 |
| Q4 2025 | $31.6M | $27.6M | $17.2M | $3.5M | $414K | 1.31% | 4.36% | 0.29% | 2,637 |
| Q3 2025 | $33.1M | $29.5M | $16.8M | $3.4M | $294K | 1.18% | 4.05% | 0.18% | 2,610 |
| Q2 2025 | $33.0M | $29.2M | $16.1M | $3.2M | $175K | 1.06% | 3.94% | 0.12% | 2,650 |
| Q1 2025 | $33.1M | $29.6M | $16.1M | $3.1M | $72K | 0.87% | 3.81% | 0.11% | 2,635 |
| Q4 2024 | $32.6M | $29.0M | $16.0M | $3.1M | $255K | 0.78% | 3.38% | 0.06% | 2,626 |
| Q3 2024 | $33.8M | $30.1M | $15.9M | $3.0M | $170K | 0.67% | 3.15% | 0.06% | 2,640 |
| Q2 2024 | $33.4M | $30.1M | $14.5M | $2.9M | $85K | 0.51% | 3.07% | 0.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,638 |
Loan mix (Q1 2026): real estate $7.5M · commercial $0 · consumer $9.0M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th |
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.