| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.2 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.6M | $64.1M | $32.5M | $6.7M | $141K | 0.80% | 5.23% | 0.59% | 8,916 |
| Q4 2025 | $67.2M | $61.1M | $33.6M | $6.6M | $312K | 0.46% | 5.30% | 0.96% | 8,911 |
| Q3 2025 | $65.0M | $59.0M | $31.3M | $6.5M | $230K | 0.47% | 5.42% | 0.99% | 8,972 |
| Q2 2025 | $65.8M | $59.9M | $31.3M | $6.5M | $231K | 0.70% | 5.38% | 0.97% | 9,000 |
| Q1 2025 | $65.7M | $59.9M | $31.3M | $6.5M | $191K | 1.16% | 5.36% | 0.65% | 8,967 |
| Q4 2024 | $60.5M | $55.3M | $32.0M | $6.3M | $345K | 0.57% | 5.08% | 0.86% | 9,040 |
| Q3 2024 | $58.7M | $53.6M | $28.9M | $6.1M | $165K | 0.38% | 5.06% | 0.93% | 9,059 |
| Q2 2024 | $60.2M | $55.1M | $27.7M | $6.1M | $145K | 0.48% | 4.90% | 0.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,073 |
Loan mix (Q1 2026): real estate $10.5M · commercial $0 · consumer $21.8M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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.