| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.0% | +0.7% | +4.3 pts |
| Loan growth (YoY) | +5.4% | -2.4% | +7.8 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 9.0% | 4.1% | +4.9 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.9M | $83.4M | $42.5M | $9.2M | $208K | 0.89% | 2.98% | 0.07% | 5,251 |
| Q4 2025 | $87.5M | $78.1M | $43.0M | $9.0M | $734K | 0.84% | 3.11% | 0.28% | 5,273 |
| Q3 2025 | $84.5M | $75.3M | $41.8M | $8.8M | $511K | 0.81% | 3.11% | 0.35% | 5,275 |
| Q2 2025 | $84.2M | $75.3M | $41.6M | $8.6M | $306K | 0.73% | 3.07% | 0.26% | 5,280 |
| Q1 2025 | $88.2M | $79.4M | $40.3M | $8.4M | $98K | 0.44% | 2.69% | 0.24% | 5,281 |
| Q4 2024 | $87.6M | $79.0M | $40.5M | $8.3M | $596K | 0.68% | 2.57% | 0.36% | 5,272 |
| Q3 2024 | $86.6M | $78.0M | $40.2M | $8.2M | $459K | 0.71% | 2.57% | 0.22% | 5,272 |
| Q2 2024 | $82.1M | $73.7M | $38.9M | $8.0M | $298K | 0.72% | 2.69% | 0.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,234 |
Loan mix (Q1 2026): real estate $10.1M · commercial $0 · consumer $27.6M · securities $32.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 81.5% | 35th |
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.