| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.3 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.0M | $29.1M | $16.2M | $6.7M | $84K | 0.93% | 3.17% | 1.19% | 1,838 |
| Q4 2025 | $35.2M | $28.3M | $16.6M | $6.6M | $317K | 0.90% | 3.17% | 1.17% | 1,842 |
| Q3 2025 | $35.0M | $28.2M | $16.6M | $6.6M | $249K | 0.95% | 3.13% | 0.53% | 1,837 |
| Q2 2025 | $34.5M | $27.9M | $16.5M | $6.5M | $167K | 0.97% | 3.11% | 0.79% | 1,843 |
| Q1 2025 | $35.0M | $28.5M | $16.5M | $6.4M | $109K | 1.24% | 2.97% | 0.71% | 1,852 |
| Q4 2024 | $33.8M | $27.4M | $16.8M | $6.3M | $202K | 0.60% | 3.11% | 0.52% | 1,866 |
| Q3 2024 | $33.4M | $27.0M | $16.6M | $6.3M | $159K | 0.63% | 3.19% | 0.54% | 1,892 |
| Q2 2024 | $33.9M | $27.6M | $16.2M | $6.2M | $68K | 0.40% | 2.94% | 0.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,902 |
Loan mix (Q1 2026): real estate $8.9M · commercial $0 · consumer $7.3M · securities $17.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 81.5% | 61th |
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.