| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.0 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 1.63% | 0.60% | +1.0 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.4M | $54.8M | $38.6M | $11.0M | $271K | 1.63% | 4.28% | 0.41% | 5,074 |
| Q4 2025 | $65.0M | $53.8M | $38.6M | $10.7M | $1.0M | 1.60% | 4.29% | 0.95% | 5,084 |
| Q3 2025 | $65.4M | $54.4M | $39.3M | $10.5M | $756K | 1.54% | 4.24% | 0.65% | 5,097 |
| Q2 2025 | $66.5M | $55.6M | $39.0M | $10.3M | $548K | 1.65% | 4.15% | 0.91% | 5,121 |
| Q1 2025 | $66.5M | $56.2M | $38.4M | $9.9M | $218K | 1.31% | 4.20% | 0.86% | 5,098 |
| Q4 2024 | $68.3M | $55.2M | $39.6M | $6.5M | $593K | 0.87% | 3.46% | 1.41% | 6,046 |
| Q3 2024 | $70.8M | $57.6M | $40.7M | $9.1M | $394K | 0.74% | 3.22% | 1.16% | 5,300 |
| Q2 2024 | $72.2M | $59.2M | $40.5M | $9.0M | $209K | 0.58% | 2.92% | 1.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,121 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $29.9M · securities $7.4M
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.