| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.3 pts |
| Loan growth (YoY) | +10.2% | -2.4% | +12.5 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $11.1M | $3.9M | $1.8M | $15K | 0.48% | 4.23% | 0.66% | 1,216 |
| Q4 2025 | $12.5M | $10.7M | $4.3M | $1.7M | $99K | 0.79% | 4.53% | 0.92% | 1,216 |
| Q3 2025 | $12.8M | $11.0M | $4.3M | $1.7M | $95K | 0.99% | 4.45% | 0.13% | 1,228 |
| Q2 2025 | $12.9M | $11.1M | $4.2M | $1.7M | $65K | 1.02% | 4.35% | 0.00% | 1,238 |
| Q1 2025 | $12.9M | $11.2M | $3.6M | $1.7M | $20K | 0.61% | 4.33% | 0.21% | 1,240 |
| Q4 2024 | $12.3M | $10.6M | $3.7M | $1.6M | $89K | 0.72% | 4.91% | 0.46% | 1,242 |
| Q3 2024 | $12.4M | $10.7M | $3.7M | $1.6M | $67K | 0.72% | 4.93% | 0.26% | 1,243 |
| Q2 2024 | $12.7M | $11.0M | $3.7M | $1.6M | $25K | 0.39% | 4.74% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,258 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 81.5% | 69th |
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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