| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +7.7% | -2.4% | +10.1 pts |
| ROA | 1.73% | 0.60% | +1.1 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.9M | $37.2M | $26.6M | $7.7M | $195K | 1.73% | 5.05% | 0.95% | 3,418 |
| Q4 2025 | $44.8M | $37.2M | $26.5M | $7.5M | $3.1M | 6.83% | 4.78% | 0.94% | 3,380 |
| Q3 2025 | $43.0M | $34.3M | $26.9M | $6.9M | $2.5M | 7.61% | 4.96% | 0.34% | 3,332 |
| Q2 2025 | $42.4M | $34.9M | $25.4M | $5.0M | $263K | 1.24% | 5.24% | 0.13% | 3,333 |
| Q1 2025 | $43.1M | $35.7M | $24.7M | $4.9M | $375K | 3.48% | 4.87% | 0.58% | 3,271 |
| Q4 2024 | $42.7M | $35.6M | $24.2M | $4.5M | $1.0M | 2.35% | 4.49% | 0.66% | 3,353 |
| Q3 2024 | $41.6M | $34.3M | $23.3M | $4.3M | $1.2M | 3.90% | 4.63% | 0.61% | 3,344 |
| Q2 2024 | $40.4M | $33.3M | $22.3M | $3.9M | $817K | 4.05% | 4.58% | 0.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,326 |
Loan mix (Q1 2026): real estate $7.9M · commercial $1.1M · consumer $14.8M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 81.5% | 29th |
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.