| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +4.7% | -2.4% | +7.1 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 14.5% | 4.1% | +10.4 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $60.5M | $54.3M | $39.2M | $5.3M | $191K | 1.26% | 4.41% | 0.16% | 6,681 |
| Q4 2025 | $59.0M | $52.9M | $37.6M | $5.1M | $582K | 0.99% | 4.32% | 0.37% | 6,662 |
| Q3 2025 | $56.2M | $50.3M | $37.0M | $4.9M | $388K | 0.92% | 4.38% | 0.11% | 6,645 |
| Q2 2025 | $56.3M | $50.8M | $36.8M | $4.7M | $164K | 0.58% | 4.31% | 0.70% | 6,631 |
| Q1 2025 | $56.2M | $51.1M | $37.4M | $4.5M | $-18K | -0.13% | 4.24% | 0.14% | 6,648 |
| Q4 2024 | $55.6M | $50.2M | $38.9M | $4.5M | $418K | 0.75% | 4.24% | 0.38% | 6,666 |
| Q3 2024 | $53.7M | $48.7M | $40.3M | $4.3M | $130K | 0.32% | 4.24% | 0.47% | 6,713 |
| Q2 2024 | $55.0M | $49.7M | $41.8M | $4.3M | $85K | 0.31% | 4.06% | 0.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,707 |
Loan mix (Q1 2026): real estate $11.0M · commercial $0 · consumer $26.0M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 81.5% | 30th |
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.