| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +9.1% | -2.4% | +11.4 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $9.0M | $6.3M | $999K | $13K | 0.53% | 4.02% | 0.49% | 992 |
| Q4 2025 | $9.1M | $8.0M | $6.3M | $986K | $29K | 0.32% | 3.90% | 0.52% | 992 |
| Q3 2025 | $9.0M | $8.0M | $6.0M | $996K | $39K | 0.57% | 3.97% | 0.36% | 995 |
| Q2 2025 | $9.3M | $8.2M | $6.0M | $983K | $26K | 0.56% | 3.75% | 0.01% | 994 |
| Q1 2025 | $9.6M | $8.6M | $5.8M | $969K | $12K | 0.50% | 3.57% | 0.36% | 1,005 |
| Q4 2024 | $9.2M | $8.2M | $5.7M | $957K | $57K | 0.62% | 3.75% | 0.01% | 1,002 |
| Q3 2024 | $8.8M | $7.8M | $5.5M | $961K | $61K | 0.93% | 4.04% | 0.00% | 1,011 |
| Q2 2024 | $8.6M | $7.7M | $5.6M | $930K | $29K | 0.68% | 3.76% | 0.33% | 1,021 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.2M · commercial $600K · consumer $3.7M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 81.5% | 56th |
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.