| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +9.2% | -2.4% | +11.6 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 6.9% | 4.1% | +2.8 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 | $28.6M | $25.2M | $15.7M | $3.3M | $57K | 0.80% | 3.24% | 0.30% | 1,647 |
| Q4 2025 | $28.0M | $24.7M | $15.5M | $3.2M | $227K | 0.81% | 2.90% | 0.25% | 1,656 |
| Q3 2025 | $27.9M | $24.6M | $14.8M | $3.2M | $179K | 0.86% | 2.92% | 0.33% | 1,645 |
| Q2 2025 | $27.7M | $24.5M | $14.5M | $3.1M | $111K | 0.80% | 2.76% | 0.20% | 1,641 |
| Q1 2025 | $27.9M | $24.8M | $14.4M | $3.1M | $61K | 0.88% | 2.62% | 0.03% | 1,647 |
| Q4 2024 | $27.1M | $24.1M | $14.7M | $3.0M | $113K | 0.42% | 2.70% | 0.04% | 1,645 |
| Q3 2024 | $26.5M | $23.5M | $15.2M | $3.0M | $104K | 0.52% | 2.75% | 0.35% | 1,659 |
| Q2 2024 | $26.2M | $23.1M | $15.1M | $3.0M | $92K | 0.70% | 2.73% | 0.05% |
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 | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,659 |
Loan mix (Q1 2026): real estate $1.6M · commercial $134K · consumer $13.0M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 81.5% | 25th |
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.