| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +5.0% | +0.7% | +4.4 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.2 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.1M | $4.1M | $1.8M | $1.0M | $13K | 1.03% | 3.91% | 5.62% | 813 |
| Q4 2025 | $5.0M | $4.0M | $1.8M | $1.0M | $5K | 0.11% | 3.51% | 11.39% | 811 |
| Q3 2025 | $4.9M | $3.9M | $1.9M | $1.0M | $5K | 0.13% | 3.78% | 8.03% | 450 |
| Q2 2025 | $5.1M | $4.0M | $2.0M | $1.0M | $5K | 0.19% | 3.58% | 3.89% | 430 |
| Q1 2025 | $4.9M | $3.9M | $1.7M | $1.0M | $-7K | -0.54% | 3.10% | 9.20% | 821 |
| Q4 2024 | $4.8M | $3.8M | $1.9M | $1.0M | $86K | 1.79% | 5.17% | 10.32% | 822 |
| Q3 2024 | $4.9M | $3.8M | $2.0M | $1.0M | $5K | 0.13% | 3.43% | 9.22% | 856 |
| Q2 2024 | $5.0M | $4.0M | $2.3M | $1.0M | $-6K | -0.25% | 3.31% | 13.52% | 869 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $499K · commercial $0 · consumer $986K · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 81.5% | 23th |
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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