| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.7M | $40.9M | $26.8M | $6.5M | $88K | 0.72% | 3.29% | 0.01% | 4,565 |
| Q4 2025 | $46.5M | $38.6M | $27.5M | $6.4M | $459K | 0.99% | 3.71% | 0.03% | 4,569 |
| Q3 2025 | $46.2M | $38.7M | $28.3M | $6.4M | $374K | 1.08% | 3.75% | 0.04% | 4,565 |
| Q2 2025 | $45.9M | $38.5M | $28.4M | $6.3M | $180K | 0.79% | 3.75% | 0.10% | 4,556 |
| Q1 2025 | $46.4M | $39.2M | $26.4M | $6.2M | $148K | 1.28% | 3.93% | 0.00% | 4,521 |
| Q4 2024 | $43.4M | $36.8M | $25.3M | $6.1M | $480K | 1.11% | 3.87% | 0.08% | 4,520 |
| Q3 2024 | $44.4M | $37.7M | $24.9M | $6.1M | $381K | 1.14% | 3.80% | 0.02% | 4,499 |
| Q2 2024 | $46.1M | $39.2M | $25.5M | $5.9M | $251K | 1.09% | 3.63% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,503 |
Loan mix (Q1 2026): real estate $0 · commercial $6.1M · consumer $16.3M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 81.5% | 54th |
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.