| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | +4.3% | -2.4% | +6.7 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 9.3% | 4.1% | +5.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $16.1M | $8.7M | $2.3M | $52K | 1.14% | 3.57% | 0.00% | 854 |
| Q4 2025 | $18.1M | $15.8M | $8.8M | $2.2M | $251K | 1.39% | 3.78% | 0.00% | 859 |
| Q3 2025 | $17.8M | $15.6M | $9.2M | $2.2M | $205K | 1.53% | 3.81% | 0.00% | 855 |
| Q2 2025 | $17.5M | $15.3M | $9.1M | $2.1M | $127K | 1.45% | 3.78% | 0.00% | 853 |
| Q1 2025 | $17.5M | $15.4M | $8.4M | $2.0M | $56K | 1.27% | 3.70% | 0.00% | 849 |
| Q4 2024 | $17.3M | $15.3M | $8.6M | $2.0M | $233K | 1.34% | 3.70% | 0.00% | 858 |
| Q3 2024 | $17.0M | $15.1M | $8.7M | $1.9M | $173K | 1.35% | 3.71% | 0.00% | 855 |
| Q2 2024 | $17.0M | $15.1M | $8.8M | $1.9M | $121K | 1.42% | 3.70% | 0.00% | 856 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.7M · commercial $0 · consumer $3.5M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 81.5% | 24th |
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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