| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | +12.0% | -2.4% | +14.3 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.5M | $36.9M | $16.7M | $5.5M | $138K | 1.29% | 3.87% | 0.22% | 2,253 |
| Q4 2025 | $42.3M | $36.8M | $17.3M | $5.4M | $509K | 1.20% | 3.77% | 0.92% | 2,267 |
| Q3 2025 | $40.9M | $35.6M | $17.3M | $5.2M | $349K | 1.14% | 3.82% | 0.73% | 2,286 |
| Q2 2025 | $40.3M | $35.1M | $16.6M | $5.1M | $208K | 1.03% | 3.78% | 0.56% | 2,304 |
| Q1 2025 | $40.7M | $35.7M | $14.9M | $4.9M | $87K | 0.86% | 3.59% | 0.70% | 2,282 |
| Q4 2024 | $38.7M | $33.8M | $15.5M | $4.9M | $369K | 0.95% | 3.56% | 0.69% | 2,288 |
| Q3 2024 | $38.8M | $34.0M | $15.9M | $4.8M | $273K | 0.94% | 3.49% | 0.34% | 2,312 |
| Q2 2024 | $39.4M | $34.7M | $15.6M | $4.7M | $184K | 0.93% | 3.34% | 0.56% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,320 |
Loan mix (Q1 2026): real estate $7.0M · commercial $0 · consumer $9.4M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 81.5% | 26th |
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.