| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.9 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.0 pts |
| ROA | 3.47% | 0.60% | +2.9 pts |
| ROE | 19.9% | 4.1% | +15.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.5M | $11.1M | $9.4M | $2.4M | $117K | 3.47% | 6.40% | 4.12% | 1,641 |
| Q4 2025 | $13.0M | $10.7M | $9.5M | $2.2M | $260K | 2.00% | 6.33% | 5.24% | 1,625 |
| Q3 2025 | $12.7M | $10.2M | $9.7M | $2.4M | $300K | 3.15% | 6.76% | 4.98% | 1,636 |
| Q2 2025 | $12.8M | $10.4M | $9.7M | $2.3M | $200K | 3.12% | 6.84% | 3.89% | 1,594 |
| Q1 2025 | $12.4M | $10.2M | $9.8M | $2.2M | $104K | 3.36% | 7.01% | 6.45% | 1,605 |
| Q4 2024 | $12.1M | $10.0M | $9.7M | $2.1M | $406K | 3.36% | 6.44% | 6.57% | 1,593 |
| Q3 2024 | $12.2M | $10.1M | $9.8M | $1.9M | $288K | 3.14% | 6.40% | 5.09% | 1,573 |
| Q2 2024 | $12.0M | $10.0M | $9.9M | $1.9M | $225K | 3.77% | 6.48% | 5.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.47% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,507 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.2M · securities $737K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.3% | 81.5% | 3th |
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.