| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 1.60% | 0.60% | +1.0 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $10.7M | $6.8M | $1.7M | $50K | 1.60% | 4.59% | 0.46% | 1,483 |
| Q4 2025 | $11.9M | $10.2M | $6.9M | $1.7M | $183K | 1.54% | 4.63% | 0.08% | 1,479 |
| Q3 2025 | $11.7M | $10.1M | $6.9M | $1.6M | $118K | 1.34% | 4.59% | 0.14% | 1,498 |
| Q2 2025 | $12.0M | $10.5M | $7.0M | $1.5M | $58K | 0.96% | 4.39% | 0.54% | 1,496 |
| Q1 2025 | $12.4M | $10.9M | $6.9M | $1.5M | $10K | 0.31% | 4.01% | 0.31% | 1,492 |
| Q4 2024 | $11.6M | $10.1M | $7.1M | $1.5M | $127K | 1.09% | 3.96% | 0.19% | 1,481 |
| Q3 2024 | $12.1M | $10.6M | $7.2M | $1.4M | $77K | 0.85% | 3.65% | 1.15% | 1,484 |
| Q2 2024 | $12.4M | $10.9M | $7.2M | $1.4M | $44K | 0.70% | 3.46% | 1.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,478 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.5M · securities $4.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 26th |
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.