| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.2 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.7M | $29.1M | $10.3M | $7.6M | $127K | 1.39% | 2.63% | 1.39% | 1,390 |
| Q4 2025 | $35.9M | $28.3M | $10.7M | $7.4M | $589K | 1.64% | 2.62% | 1.31% | 1,401 |
| Q3 2025 | $35.7M | $28.4M | $10.7M | $7.3M | $447K | 1.67% | 2.64% | 1.33% | 1,406 |
| Q2 2025 | $35.9M | $28.8M | $10.6M | $7.1M | $286K | 1.59% | 2.58% | 1.17% | 1,410 |
| Q1 2025 | $35.7M | $28.8M | $10.6M | $7.0M | $120K | 1.35% | 2.54% | 1.15% | 1,404 |
| Q4 2024 | $35.0M | $28.2M | $10.9M | $6.8M | $746K | 2.13% | 2.88% | 1.01% | 1,397 |
| Q3 2024 | $36.0M | $29.4M | $11.1M | $6.5M | $554K | 2.05% | 2.82% | 0.95% | 1,398 |
| Q2 2024 | $36.3M | $29.8M | $11.1M | $6.3M | $359K | 1.98% | 2.73% | 1.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,473 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $3.0M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 81.5% | 4th |
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.