| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.9 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 13.3% | 4.1% | +9.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $88.5M | $79.8M | $48.5M | $7.6M | $252K | 1.14% | 4.32% | 0.63% | 7,387 |
| Q4 2025 | $86.5M | $77.9M | $48.6M | $7.4M | $779K | 0.90% | 4.22% | 0.76% | 7,339 |
| Q3 2025 | $84.1M | $76.1M | $47.9M | $7.1M | $558K | 0.88% | 4.28% | 0.75% | 7,398 |
| Q2 2025 | $84.8M | $76.8M | $46.7M | $6.9M | $341K | 0.80% | 4.14% | 0.30% | 7,351 |
| Q1 2025 | $87.6M | $79.9M | $45.9M | $6.7M | $136K | 0.62% | 3.84% | 0.23% | 7,317 |
| Q4 2024 | $86.8M | $79.5M | $45.7M | $6.6M | $438K | 0.50% | 3.55% | 0.79% | 7,308 |
| Q3 2024 | $85.0M | $78.1M | $46.4M | $6.4M | $266K | 0.42% | 3.57% | 0.51% | 7,380 |
| Q2 2024 | $85.9M | $78.3M | $46.1M | $6.3M | $160K | 0.37% | 3.45% | 0.38% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,362 |
Loan mix (Q1 2026): real estate $24.1M · commercial $0 · consumer $23.3M · securities $30.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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.