| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -3.5% | -2.4% | -1.1 pts |
| ROA | 1.43% | 0.60% | +0.8 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.2M | $19.0M | $11.1M | $3.1M | $80K | 1.43% | 4.67% | 1.09% | 3,515 |
| Q4 2025 | $21.1M | $18.0M | $11.6M | $3.0M | $205K | 0.97% | 4.88% | 0.89% | 3,539 |
| Q3 2025 | $21.1M | $18.0M | $11.6M | $3.0M | $220K | 1.39% | 4.84% | 1.79% | 3,570 |
| Q2 2025 | $20.9M | $17.9M | $11.5M | $3.0M | $164K | 1.57% | 4.73% | 1.76% | 3,559 |
| Q1 2025 | $20.8M | $17.9M | $11.5M | $2.9M | $83K | 1.60% | 4.62% | 1.62% | 3,523 |
| Q4 2024 | $20.3M | $17.4M | $11.8M | $2.8M | $328K | 1.62% | 4.70% | 1.05% | 3,567 |
| Q3 2024 | $21.1M | $18.3M | $12.0M | $2.7M | $250K | 1.58% | 4.53% | 0.87% | 3,524 |
| Q2 2024 | $20.2M | $17.5M | $12.4M | $2.7M | $175K | 1.73% | 4.61% | 0.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,513 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.4M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 81.5% | 23th |
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.