| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 2.11% | 0.60% | +1.5 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.8M | $77.4M | $24.9M | $17.3M | $501K | 2.11% | 4.05% | 0.80% | 6,838 |
| Q4 2025 | $92.0M | $75.1M | $25.3M | $16.8M | $2.0M | 2.16% | 4.01% | 0.95% | 6,854 |
| Q3 2025 | $92.3M | $75.9M | $25.6M | $16.3M | $1.5M | 2.11% | 3.92% | 1.09% | 6,878 |
| Q2 2025 | $90.0M | $74.2M | $25.0M | $15.7M | $880K | 1.96% | 3.88% | 1.02% | 6,859 |
| Q1 2025 | $89.0M | $74.2M | $24.3M | $15.3M | $448K | 2.01% | 3.78% | 0.87% | 6,869 |
| Q4 2024 | $87.2M | $72.2M | $24.0M | $14.8M | $1.3M | 1.45% | 3.24% | 1.20% | 6,911 |
| Q3 2024 | $88.7M | $73.1M | $25.0M | $14.4M | $839K | 1.26% | 3.01% | 1.44% | 6,951 |
| Q2 2024 | $86.9M | $72.7M | $25.7M | $14.1M | $508K | 1.17% | 2.89% | 1.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,951 |
Loan mix (Q1 2026): real estate $12.1M · commercial $0 · consumer $11.8M · securities $56.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 81.5% | 7th |
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.