| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.6 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.4M | $36.5M | $21.9M | $8.7M | $21K | 0.19% | 2.38% | 0.00% | 1,375 |
| Q4 2025 | $44.4M | $35.5M | $21.7M | $8.7M | $55K | 0.12% | 2.09% | 0.00% | 1,371 |
| Q3 2025 | $44.1M | $35.4M | $21.8M | $8.7M | $35K | 0.11% | 2.04% | 0.16% | 1,377 |
| Q2 2025 | $44.0M | $35.3M | $21.3M | $8.7M | $2K | 0.01% | 1.97% | 0.28% | 1,377 |
| Q1 2025 | $43.8M | $35.0M | $20.6M | $8.7M | $-11K | -0.10% | 1.93% | 0.16% | 1,381 |
| Q4 2024 | $43.2M | $34.5M | $20.4M | $8.7M | $-8K | -0.02% | 1.71% | 2.75% | 1,379 |
| Q3 2024 | $43.0M | $34.3M | $20.6M | $8.7M | $6K | 0.02% | 1.70% | 2.96% | 1,380 |
| Q2 2024 | $43.1M | $34.3M | $20.3M | $8.7M | $-4K | -0.02% | 1.64% | 3.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,400 |
Loan mix (Q1 2026): real estate $6.8M · commercial $0 · consumer $11.8M · securities $19.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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.