| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -2.8% | -2.4% | -0.5 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.4M | $41.4M | $22.7M | $5.3M | $87K | 0.73% | 2.86% | 0.34% | 3,264 |
| Q4 2025 | $47.3M | $41.0M | $23.1M | $5.2M | $597K | 1.26% | 3.08% | 0.27% | 3,290 |
| Q3 2025 | $45.5M | $40.2M | $22.7M | $4.9M | $263K | 0.77% | 3.26% | 0.21% | 3,281 |
| Q2 2025 | $45.6M | $40.3M | $22.7M | $4.8M | $194K | 0.85% | 3.27% | 0.20% | 3,281 |
| Q1 2025 | $46.2M | $40.9M | $23.3M | $4.7M | $124K | 1.07% | 3.23% | 0.34% | 3,278 |
| Q4 2024 | $47.2M | $42.2M | $24.6M | $4.6M | $906K | 1.92% | 3.20% | 0.41% | 3,316 |
| Q3 2024 | $44.0M | $40.4M | $25.7M | $4.0M | $260K | 0.79% | 3.48% | 0.20% | 3,307 |
| Q2 2024 | $44.9M | $41.5M | $27.3M | $3.9M | $171K | 0.76% | 3.42% | 0.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,337 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $16.7M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 81.5% | 73th |
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.