| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.7 pts |
| Loan growth (YoY) | +9.0% | -2.4% | +11.4 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.4M | $28.3M | $12.9M | $4.9M | $55K | 0.66% | 3.01% | 0.01% | 2,093 |
| Q4 2025 | $33.6M | $28.6M | $12.1M | $4.9M | $238K | 0.71% | 2.82% | 0.27% | 2,099 |
| Q3 2025 | $33.8M | $28.8M | $12.3M | $4.8M | $172K | 0.68% | 2.73% | 0.00% | 2,097 |
| Q2 2025 | $33.2M | $28.3M | $11.8M | $4.7M | $107K | 0.64% | 2.68% | 0.00% | 2,069 |
| Q1 2025 | $33.2M | $28.4M | $11.8M | $4.7M | $49K | 0.59% | 2.54% | 0.09% | 2,075 |
| Q4 2024 | $32.4M | $27.6M | $11.9M | $4.6M | $98K | 0.30% | 2.59% | 0.21% | 2,062 |
| Q3 2024 | $32.7M | $27.9M | $12.3M | $4.6M | $47K | 0.19% | 2.49% | 1.34% | 2,060 |
| Q2 2024 | $32.8M | $28.1M | $12.3M | $4.5M | $20K | 0.12% | 2.40% | 1.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,059 |
Loan mix (Q1 2026): real estate $2.0M · commercial $614K · consumer $9.0M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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.