| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.2M | $46.2M | $24.9M | $7.0M | $124K | 0.93% | 3.45% | 0.52% | 4,063 |
| Q4 2025 | $52.2M | $45.2M | $24.8M | $6.9M | $572K | 1.10% | 3.57% | 0.94% | 4,030 |
| Q3 2025 | $51.8M | $45.1M | $24.8M | $6.7M | $428K | 1.10% | 3.59% | 0.46% | 4,026 |
| Q2 2025 | $50.2M | $43.5M | $25.0M | $6.6M | $296K | 1.18% | 3.76% | 0.55% | 3,988 |
| Q1 2025 | $51.0M | $44.4M | $24.4M | $6.4M | $133K | 1.04% | 3.70% | 0.74% | 3,984 |
| Q4 2024 | $50.7M | $44.3M | $24.7M | $6.3M | $475K | 0.94% | 3.28% | 1.00% | 3,948 |
| Q3 2024 | $50.8M | $44.5M | $24.4M | $6.1M | $313K | 0.82% | 3.22% | 1.37% | 4,045 |
| Q2 2024 | $49.6M | $43.2M | $24.6M | $6.0M | $204K | 0.82% | 3.19% | 1.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,064 |
Loan mix (Q1 2026): real estate $14.3M · commercial $0 · consumer $10.4M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 81.5% | 30th |
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.