| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.3% | +0.7% | -1.0 pts |
| Loan growth (YoY) | +8.8% | -2.4% | +11.2 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.5M | $22.6M | $17.5M | $5.9M | $95K | 1.33% | 3.96% | 0.00% | 1,645 |
| Q4 2025 | $27.2M | $21.3M | $17.2M | $5.8M | $374K | 1.37% | 4.10% | 0.00% | 1,642 |
| Q3 2025 | $27.7M | $21.8M | $17.0M | $5.8M | $332K | 1.60% | 3.99% | 0.00% | 1,650 |
| Q2 2025 | $28.2M | $22.5M | $16.5M | $5.6M | $191K | 1.36% | 3.86% | 0.16% | 3,038 |
| Q1 2025 | $28.2M | $22.6M | $16.0M | $5.5M | $90K | 1.27% | 3.82% | 0.00% | 1,655 |
| Q4 2024 | $28.8M | $23.3M | $15.9M | $5.4M | $340K | 1.18% | 3.59% | 0.00% | 1,668 |
| Q3 2024 | $28.1M | $22.6M | $15.4M | $5.4M | $278K | 1.32% | 3.62% | 0.00% | 1,666 |
| Q2 2024 | $27.9M | $22.6M | $15.1M | $5.3M | $170K | 1.22% | 3.59% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,669 |
Loan mix (Q1 2026): real estate $9.9M · commercial $117K · consumer $6.4M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 81.5% | 25th |
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.