| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.0M | $26.1M | $24.1M | $3.8M | $42K | 0.56% | 3.35% | 0.64% | 1,399 |
| Q4 2025 | $29.4M | $25.5M | $24.4M | $3.8M | $148K | 0.51% | 3.33% | 0.50% | 1,406 |
| Q3 2025 | $29.4M | $25.5M | $24.7M | $3.8M | $125K | 0.57% | 3.25% | 0.56% | 1,426 |
| Q2 2025 | $28.6M | $23.7M | $23.7M | $3.7M | $46K | 0.32% | 3.22% | 0.43% | 1,430 |
| Q1 2025 | $28.7M | $24.9M | $23.7M | $3.7M | $10K | 0.13% | 2.90% | 0.47% | 1,417 |
| Q4 2024 | $29.5M | $25.7M | $20.7M | $3.6M | $-109K | -0.37% | 2.88% | 0.49% | 1,402 |
| Q3 2024 | $29.0M | $25.2M | $19.7M | $3.7M | $-59K | -0.27% | 2.92% | 0.36% | 1,389 |
| Q2 2024 | $27.9M | $24.1M | $19.2M | $3.7M | $-55K | -0.40% | 3.02% | 0.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,386 |
Loan mix (Q1 2026): real estate $11.9M · commercial $0 · consumer $10.4M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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.