| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.7 pts |
| Loan growth (YoY) | -2.5% | -2.4% | -0.2 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.9M | $48.0M | $22.4M | $5.8M | $185K | 1.35% | 3.53% | 0.31% | 3,243 |
| Q4 2025 | $53.3M | $46.4M | $22.8M | $5.6M | $559K | 1.05% | 3.32% | 0.10% | 3,254 |
| Q3 2025 | $52.3M | $45.8M | $22.8M | $5.5M | $400K | 1.02% | 3.26% | 0.30% | 3,245 |
| Q2 2025 | $51.5M | $45.2M | $23.4M | $5.3M | $261K | 1.01% | 3.20% | 0.46% | 3,268 |
| Q1 2025 | $51.7M | $45.6M | $23.0M | $5.2M | $111K | 0.86% | 3.19% | 0.29% | 3,265 |
| Q4 2024 | $50.7M | $44.7M | $23.9M | $5.1M | $286K | 0.56% | 3.05% | 0.23% | 3,264 |
| Q3 2024 | $50.9M | $44.9M | $24.0M | $5.0M | $195K | 0.51% | 2.99% | 0.23% | 3,276 |
| Q2 2024 | $51.6M | $45.7M | $23.5M | $4.9M | $136K | 0.53% | 2.86% | 0.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,276 |
Loan mix (Q1 2026): real estate $3.7M · commercial $0 · consumer $17.3M · securities $25.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 81.5% | 23th |
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% |
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