| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.6 pts |
| Share growth (YoY) | +7.9% | +0.7% | +7.2 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $60.3M | $50.6M | $29.1M | $9.7M | $194K | 1.29% | 2.57% | 0.08% | 3,355 |
| Q4 2025 | $58.2M | $48.7M | $29.5M | $9.5M | $717K | 1.23% | 2.60% | 0.07% | 3,347 |
| Q3 2025 | $56.6M | $47.2M | $29.4M | $9.3M | $579K | 1.36% | 2.69% | 0.13% | 3,336 |
| Q2 2025 | $55.2M | $46.0M | $29.6M | $9.1M | $380K | 1.38% | 2.70% | 0.03% | 3,336 |
| Q1 2025 | $55.8M | $46.9M | $29.3M | $9.0M | $169K | 1.21% | 2.61% | 0.25% | 3,318 |
| Q4 2024 | $54.4M | $45.7M | $30.0M | $8.7M | $617K | 1.13% | 2.34% | 0.14% | 3,324 |
| Q3 2024 | $54.3M | $45.7M | $30.1M | $8.6M | $480K | 1.18% | 2.39% | 0.07% | 3,291 |
| Q2 2024 | $53.3M | $44.9M | $30.3M | $8.4M | $280K | 1.05% | 2.22% | 0.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,280 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23.5M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 81.5% | 9th |
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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