| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.1 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 3.8% | 4.1% | -0.4 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.6M | $59.0M | $42.1M | $16.4M | $154K | 0.80% | 4.05% | 0.68% | 8,279 |
| Q4 2025 | $74.6M | $56.9M | $41.8M | $16.3M | $558K | 0.75% | 4.22% | 0.66% | 8,263 |
| Q3 2025 | $72.7M | $55.3M | $42.1M | $16.1M | $314K | 0.58% | 4.33% | 0.74% | 8,214 |
| Q2 2025 | $73.1M | $56.2M | $42.2M | $15.9M | $136K | 0.37% | 4.26% | 0.61% | 8,184 |
| Q1 2025 | $73.0M | $56.4M | $43.1M | $15.9M | $82K | 0.45% | 4.20% | 0.71% | 8,210 |
| Q4 2024 | $72.2M | $55.3M | $45.1M | $15.8M | $508K | 0.70% | 4.10% | 1.19% | 8,325 |
| Q3 2024 | $71.1M | $54.6M | $47.3M | $15.7M | $378K | 0.71% | 4.11% | 0.96% | 8,416 |
| Q2 2024 | $69.8M | $52.9M | $48.6M | $15.5M | $204K | 0.59% | 4.05% | 1.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,393 |
Loan mix (Q1 2026): real estate $0 · commercial $2.8M · consumer $36.0M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 81.5% | 49th |
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.