| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +7.9 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.4M | $10.1M | $7.0M | $1.3M | $8K | 0.27% | 4.56% | 0.40% | 2,011 |
| Q4 2025 | $11.3M | $10.0M | $6.9M | $1.3M | $123K | 1.09% | 4.54% | 0.40% | 2,040 |
| Q3 2025 | $11.2M | $10.0M | $6.9M | $1.2M | $83K | 0.99% | 4.50% | 0.02% | 2,040 |
| Q2 2025 | $10.9M | $9.7M | $6.7M | $1.2M | $41K | 0.76% | 4.58% | 0.15% | 1,966 |
| Q1 2025 | $10.8M | $9.7M | $6.6M | $1.2M | $23K | 0.85% | 4.54% | 0.16% | 1,939 |
| Q4 2024 | $11.1M | $10.0M | $6.7M | $1.1M | $107K | 0.96% | 4.21% | 0.79% | 1,913 |
| Q3 2024 | $11.0M | $9.8M | $7.0M | $1.1M | $103K | 1.24% | 4.24% | 1.45% | 1,894 |
| Q2 2024 | $11.3M | $10.2M | $7.0M | $1.1M | $66K | 1.16% | 4.12% | 0.42% | 1,868 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $711K · commercial $0 · consumer $5.5M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 81.5% | 45th |
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% |
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