| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.2 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.2 pts |
| ROA | 0.09% | 0.60% | -0.5 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.0M | $22.1M | $8.7M | $2.8M | $6K | 0.09% | 3.60% | 0.08% | 1,692 |
| Q4 2025 | $24.0M | $21.1M | $8.6M | $2.8M | $277K | 1.15% | 3.66% | 0.17% | 1,682 |
| Q3 2025 | $24.1M | $21.1M | $8.4M | $2.7M | $213K | 1.18% | 3.61% | 0.04% | 1,679 |
| Q2 2025 | $23.4M | $20.7M | $8.2M | $2.7M | $133K | 1.14% | 3.64% | 0.00% | 1,719 |
| Q1 2025 | $23.4M | $20.7M | $8.5M | $2.6M | $60K | 1.02% | 3.70% | 0.11% | 1,719 |
| Q4 2024 | $22.9M | $20.2M | $9.0M | $2.5M | $242K | 1.06% | 3.91% | 1.28% | 1,729 |
| Q3 2024 | $23.1M | $20.5M | $8.9M | $2.5M | $199K | 1.15% | 3.87% | 0.82% | 1,727 |
| Q2 2024 | $22.1M | $19.6M | $9.0M | $2.4M | $115K | 1.05% | 4.02% | 0.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,736 |
Loan mix (Q1 2026): real estate $929K · commercial $0 · consumer $6.7M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 81.5% | 24th |
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.