| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +7.4% | +0.7% | +6.8 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.1M | $60.3M | $31.5M | $12.5M | $140K | 0.77% | 2.97% | 0.41% | 4,551 |
| Q4 2025 | $70.5M | $58.0M | $31.2M | $12.4M | $559K | 0.79% | 2.97% | 0.68% | 4,550 |
| Q3 2025 | $68.9M | $56.3M | $30.7M | $12.3M | $464K | 0.90% | 3.00% | 0.51% | 4,560 |
| Q2 2025 | $67.4M | $55.1M | $30.1M | $12.1M | $291K | 0.86% | 3.00% | 0.82% | 4,576 |
| Q1 2025 | $68.2M | $56.1M | $30.2M | $11.9M | $92K | 0.54% | 2.87% | 0.87% | 4,608 |
| Q4 2024 | $65.9M | $53.9M | $30.4M | $11.8M | $450K | 0.68% | 2.69% | 1.01% | 4,634 |
| Q3 2024 | $63.7M | $51.9M | $30.9M | $11.8M | $345K | 0.72% | 2.78% | 0.67% | 4,616 |
| Q2 2024 | $62.8M | $51.1M | $31.5M | $11.7M | $231K | 0.74% | 2.76% | 0.75% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,644 |
Loan mix (Q1 2026): real estate $10.2M · commercial $0 · consumer $20.0M · securities $32.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 81.5% | 33th |
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.