| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.3 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 5.3% | 4.1% | +1.2 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 | $47.0M | $36.2M | $28.2M | $9.3M | $122K | 1.04% | 5.44% | 1.34% | 2,704 |
| Q4 2025 | $48.9M | $38.2M | $28.3M | $9.2M | $504K | 1.03% | 5.25% | 1.73% | 2,710 |
| Q3 2025 | $47.2M | $36.8M | $27.7M | $9.0M | $383K | 1.08% | 5.40% | 1.46% | 2,710 |
| Q2 2025 | $48.7M | $38.4M | $27.1M | $8.9M | $231K | 0.95% | 5.18% | 1.31% | 2,727 |
| Q1 2025 | $46.7M | $36.8M | $26.4M | $8.8M | $115K | 0.99% | 5.29% | 1.11% | 2,745 |
| Q4 2024 | $45.5M | $35.4M | $26.0M | $8.7M | $520K | 1.14% | 5.39% | 1.43% | 2,749 |
| Q3 2024 | $43.0M | $33.7M | $25.1M | $8.3M | $377K | 1.17% | 5.47% | 1.35% | 2,756 |
| Q2 2024 | $42.6M | $33.7M | $24.3M | $8.2M | $14K | 0.07% | 4.76% | 0.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,753 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $25.9M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 81.5% | 55th |
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.