| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.5 pts |
| ROA | 0.60% | 0.60% | -0.0 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.2M | $66.2M | $27.4M | $8.7M | $112K | 0.60% | 2.99% | 0.06% | 7,321 |
| Q4 2025 | $74.0M | $65.1M | $29.3M | $8.6M | $659K | 0.89% | 3.10% | 0.71% | 7,315 |
| Q3 2025 | $72.6M | $63.8M | $31.4M | $8.5M | $558K | 1.03% | 3.13% | 0.80% | 7,322 |
| Q2 2025 | $73.8M | $65.1M | $32.9M | $8.3M | $362K | 0.98% | 3.05% | 0.93% | 7,315 |
| Q1 2025 | $73.1M | $64.7M | $28.4M | $8.1M | $141K | 0.77% | 2.95% | 0.51% | 7,213 |
| Q4 2024 | $70.3M | $62.1M | $30.3M | $8.0M | $459K | 0.65% | 2.92% | 0.40% | 7,224 |
| Q3 2024 | $71.1M | $63.0M | $31.8M | $7.8M | $333K | 0.63% | 2.84% | 0.14% | 7,214 |
| Q2 2024 | $69.5M | $61.0M | $30.7M | $7.7M | $202K | 0.58% | 2.85% | 0.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,203 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $19.3M · securities $31.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 81.5% | 59th |
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.