| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 6.7% | 4.1% | +2.6 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 | $60.1M | $47.7M | $35.2M | $12.3M | $204K | 1.36% | 4.11% | 0.26% | 4,970 |
| Q4 2025 | $58.0M | $45.8M | $34.8M | $12.1M | $862K | 1.49% | 4.06% | 0.32% | 4,963 |
| Q3 2025 | $57.9M | $45.9M | $34.6M | $11.9M | $629K | 1.45% | 4.01% | 0.04% | 4,965 |
| Q2 2025 | $58.6M | $46.9M | $34.9M | $11.6M | $401K | 1.37% | 3.84% | 0.11% | 4,993 |
| Q1 2025 | $56.0M | $44.5M | $34.2M | $11.4M | $171K | 1.22% | 3.80% | 0.80% | 5,062 |
| Q4 2024 | $54.9M | $43.6M | $34.2M | $11.2M | $658K | 1.20% | 3.66% | 0.50% | 5,080 |
| Q3 2024 | $54.9M | $43.7M | $34.6M | $11.1M | $493K | 1.20% | 3.57% | 1.34% | 5,091 |
| Q2 2024 | $55.9M | $45.0M | $34.1M | $10.9M | $300K | 1.07% | 3.38% | 0.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,103 |
Loan mix (Q1 2026): real estate $11.2M · commercial $0 · consumer $21.5M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 81.5% | 17th |
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.