| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.6 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.0M | $9.0M | $3.0M | $3.0M | $18K | 0.60% | 3.35% | 0.90% | 1,862 |
| Q4 2025 | $11.6M | $8.6M | $3.0M | $3.0M | $54K | 0.46% | 3.17% | 1.20% | 1,849 |
| Q3 2025 | $11.5M | $8.5M | $3.0M | $3.0M | $39K | 0.45% | 3.10% | 1.53% | 1,863 |
| Q2 2025 | $11.5M | $8.6M | $3.1M | $3.0M | $24K | 0.42% | 3.06% | 1.56% | 1,866 |
| Q1 2025 | $11.5M | $8.5M | $3.0M | $3.0M | $13K | 0.46% | 3.05% | 0.93% | 1,864 |
| Q4 2024 | $11.1M | $8.2M | $3.2M | $2.9M | $90K | 0.81% | 3.40% | 1.67% | 1,860 |
| Q3 2024 | $11.1M | $8.1M | $3.3M | $2.9M | $69K | 0.83% | 3.36% | 0.88% | 1,877 |
| Q2 2024 | $11.2M | $8.3M | $3.4M | $2.9M | $42K | 0.76% | 3.29% | 1.26% | 1,866 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 81.5% | 53th |
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% |
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