| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.1 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.5 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.0M | $10.1M | $9.0M | $1.6M | $21K | 0.70% | 4.65% | 0.64% | 1,569 |
| Q4 2025 | $11.2M | $9.4M | $8.7M | $1.6M | $112K | 1.01% | 4.96% | 0.63% | 1,524 |
| Q3 2025 | $11.5M | $9.8M | $8.9M | $1.5M | $86K | 1.00% | 4.89% | 0.35% | 1,469 |
| Q2 2025 | $11.1M | $9.4M | $9.0M | $1.5M | $52K | 0.93% | 5.03% | 0.39% | 1,403 |
| Q1 2025 | $11.0M | $9.4M | $9.1M | $1.5M | $27K | 1.00% | 5.02% | 1.09% | 1,403 |
| Q4 2024 | $11.0M | $9.1M | $8.9M | $1.5M | $180K | 1.64% | 4.95% | 1.40% | 1,403 |
| Q3 2024 | $10.8M | $9.1M | $8.6M | $1.5M | $162K | 2.01% | 5.04% | 1.43% | 1,376 |
| Q2 2024 | $11.0M | $9.3M | $8.4M | $1.4M | $128K | 2.33% | 4.99% | 0.13% | 1,358 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.2M · securities $999K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th |
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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