| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.2 pts |
| ROA | 2.82% | 0.60% | +2.2 pts |
| ROE | 18.7% | 4.1% | +14.6 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.0M | $15.2M | $11.1M | $2.7M | $126K | 2.82% | 5.82% | 4.51% | 2,147 |
| Q4 2025 | $17.4M | $14.7M | $11.0M | $2.6M | $382K | 2.20% | 6.13% | 4.37% | 2,131 |
| Q3 2025 | $17.6M | $15.0M | $11.2M | $2.5M | $635K | 4.80% | 5.96% | 5.56% | 1,901 |
| Q2 2025 | $17.8M | $15.3M | $11.4M | $2.4M | $118K | 1.32% | 5.94% | 4.39% | 1,884 |
| Q1 2025 | $17.6M | $15.2M | $11.4M | $2.3M | $65K | 1.47% | 6.00% | 6.67% | 1,917 |
| Q4 2024 | $17.4M | $15.1M | $11.5M | $2.2M | $133K | 0.76% | 5.71% | 18.26% | 1,901 |
| Q3 2024 | $17.4M | $15.3M | $11.6M | $2.2M | $64K | 0.49% | 5.68% | 2.76% | 2,041 |
| Q2 2024 | $17.9M | $15.8M | $11.6M | $2.1M | $-36K | -0.40% | 5.26% | 2.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.82% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,035 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $6.3M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 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% |
The full ratio pack is part of CharterBench Pro.