| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.4 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.5 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.9M | $6.1M | $5.7M | $1.8M | $8K | 0.40% | 4.51% | 0.13% | 817 |
| Q4 2025 | $7.8M | $6.1M | $5.9M | $1.7M | $141K | 1.80% | 4.14% | 0.08% | 815 |
| Q3 2025 | $7.7M | $6.0M | $5.7M | $1.7M | $159K | 2.76% | 4.48% | 0.16% | 832 |
| Q2 2025 | $7.6M | $6.0M | $5.5M | $1.6M | $26K | 0.68% | 4.33% | 0.18% | 823 |
| Q1 2025 | $7.6M | $6.0M | $5.5M | $1.6M | $12K | 0.61% | 4.52% | 0.16% | 827 |
| Q4 2024 | $7.4M | $5.8M | $5.2M | $1.6M | $55K | 0.75% | 3.71% | 0.93% | 831 |
| Q3 2024 | $7.5M | $5.9M | $5.2M | $1.6M | $36K | 0.64% | 3.62% | 0.69% | 829 |
| Q2 2024 | $7.3M | $5.8M | $4.9M | $1.5M | $3K | 0.08% | 3.60% | 0.00% | 826 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.3M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 81.5% | 2th |
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.