| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.3 pts |
| Loan growth (YoY) | +11.4% | -2.4% | +13.8 pts |
| ROA | 0.23% | 0.60% | -0.4 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.5M | $6.7M | $5.1M | $885K | $4K | 0.23% | 5.66% | 0.23% | 640 |
| Q4 2025 | $7.4M | $6.5M | $4.9M | $881K | $3K | 0.04% | 5.50% | 0.25% | 683 |
| Q3 2025 | $7.2M | $6.3M | $5.0M | $899K | $26K | 0.48% | 5.73% | 0.25% | 639 |
| Q2 2025 | $7.4M | $6.5M | $4.9M | $892K | $13K | 0.36% | 5.59% | 0.18% | 643 |
| Q1 2025 | $7.2M | $6.3M | $4.6M | $874K | $-5K | -0.27% | 5.62% | 1.71% | 606 |
| Q4 2024 | $7.1M | $6.2M | $4.3M | $879K | $-65K | -0.93% | 5.08% | 2.71% | 650 |
| Q3 2024 | $6.9M | $5.9M | $4.4M | $936K | $-8K | -0.17% | 5.33% | 3.09% | 642 |
| Q2 2024 | $6.9M | $5.9M | $4.4M | $939K | $-5K | -0.14% | 5.40% | 2.75% | 578 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.1M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 81.5% | 80th |
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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