| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | 0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 2.48% | 0.60% | +1.9 pts |
| ROE | 12.4% | 4.1% | +8.3 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.5M | $63.3M | $41.0M | $15.9M | $493K | 2.48% | 4.13% | 0.26% | 6,717 |
| Q4 2025 | $79.1M | $63.3M | $41.9M | $15.4M | $1.9M | 2.43% | 4.23% | 0.23% | 6,739 |
| Q3 2025 | $77.5M | $62.3M | $41.7M | $14.9M | $1.4M | 2.44% | 4.27% | 0.46% | 6,752 |
| Q2 2025 | $77.1M | $62.1M | $42.5M | $14.4M | $967K | 2.51% | 4.31% | 0.26% | 6,773 |
| Q1 2025 | $77.6M | $63.3M | $42.7M | $13.9M | $436K | 2.25% | 4.20% | 0.30% | 6,793 |
| Q4 2024 | $75.5M | $61.4M | $42.8M | $13.5M | $2.2M | 2.88% | 4.45% | 0.54% | 6,812 |
| Q3 2024 | $73.9M | $60.3M | $42.5M | $12.9M | $1.6M | 2.97% | 4.52% | 0.16% | 6,806 |
| Q2 2024 | $72.5M | $59.8M | $42.2M | $12.4M | $1.1M | 3.04% | 4.54% | 0.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,830 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $32.2M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 81.5% | 5th |
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.