| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.8% | +0.7% | +7.1 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.5 pts |
| ROA | 2.13% | 0.60% | +1.5 pts |
| ROE | 9.3% | 4.1% | +5.2 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 | $47.8M | $32.6M | $26.7M | $11.0M | $255K | 2.13% | 4.21% | 0.74% | 4,528 |
| Q4 2025 | $47.4M | $31.8M | $26.5M | $10.8M | $490K | 1.03% | 4.07% | 1.16% | 4,556 |
| Q3 2025 | $45.4M | $30.0M | $26.3M | $10.7M | $310K | 0.91% | 4.18% | 1.69% | 4,584 |
| Q2 2025 | $45.1M | $30.3M | $25.2M | $10.4M | $63K | 0.28% | 4.15% | 1.38% | 4,579 |
| Q1 2025 | $44.8M | $30.2M | $25.4M | $10.4M | $94K | 0.84% | 4.13% | 0.58% | 4,539 |
| Q4 2024 | $42.9M | $29.4M | $25.3M | $10.4M | $168K | 0.39% | 4.06% | 0.97% | 4,476 |
| Q3 2024 | $42.2M | $29.2M | $24.6M | $10.5M | $185K | 0.58% | 4.10% | 0.31% | 4,437 |
| Q2 2024 | $42.5M | $30.3M | $23.7M | $10.3M | $70K | 0.33% | 3.87% | 0.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,334 |
Loan mix (Q1 2026): real estate $20.1M · commercial $61K · consumer $5.1M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 81.5% | 12th |
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.