| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | 1.99% | 0.60% | +1.4 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.3M | $35.9M | $22.8M | $9.2M | $226K | 1.99% | 3.75% | 0.00% | 2,614 |
| Q4 2025 | $44.8M | $35.6M | $23.1M | $9.0M | $1.0M | 2.27% | 3.88% | 0.02% | 2,625 |
| Q3 2025 | $45.2M | $36.2M | $23.9M | $8.8M | $799K | 2.35% | 3.81% | 0.00% | 2,631 |
| Q2 2025 | $45.2M | $36.5M | $24.3M | $8.5M | $507K | 2.24% | 3.75% | 0.00% | 2,641 |
| Q1 2025 | $44.8M | $36.4M | $23.7M | $8.2M | $253K | 2.26% | 3.72% | 0.03% | 2,632 |
| Q4 2024 | $44.4M | $36.2M | $24.2M | $8.0M | $903K | 2.03% | 3.57% | 0.05% | 2,629 |
| Q3 2024 | $44.5M | $36.5M | $24.8M | $7.7M | $675K | 2.02% | 3.53% | 0.17% | 2,640 |
| Q2 2024 | $44.2M | $36.5M | $25.1M | $7.5M | $452K | 2.04% | 3.44% | 0.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,628 |
Loan mix (Q1 2026): real estate $2.1M · commercial $0 · consumer $16.7M · securities $19.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 81.5% | 4th |
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.