| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +1.0% | -2.4% | +3.3 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.4M | $23.0M | $8.7M | $3.1M | $64K | 0.97% | 3.33% | 0.12% | 2,032 |
| Q4 2025 | $25.6M | $22.4M | $8.5M | $3.1M | $303K | 1.18% | 3.59% | 0.08% | 2,036 |
| Q3 2025 | $25.3M | $22.1M | $8.4M | $3.0M | $241K | 1.27% | 3.69% | 0.21% | 2,032 |
| Q2 2025 | $25.1M | $22.0M | $8.6M | $2.9M | $135K | 1.08% | 3.74% | 0.72% | 2,042 |
| Q1 2025 | $24.6M | $21.7M | $8.6M | $2.8M | $72K | 1.17% | 3.78% | 0.03% | 2,062 |
| Q4 2024 | $23.3M | $20.3M | $8.3M | $2.8M | $410K | 1.76% | 4.09% | 0.01% | 2,070 |
| Q3 2024 | $22.7M | $19.9M | $8.3M | $2.7M | $332K | 1.95% | 4.11% | 0.00% | 2,094 |
| Q2 2024 | $22.8M | $20.1M | $8.2M | $2.6M | $224K | 1.96% | 3.99% | 0.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,132 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $5.9M · securities $10.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 81.5% | 32th |
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.