| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +5.2% | +0.7% | +4.6 pts |
| Loan growth (YoY) | +4.3% | -2.4% | +6.7 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 17.4% | 4.1% | +13.3 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.7M | $65.6M | $40.8M | $7.0M | $304K | 1.67% | 3.40% | 0.22% | 5,732 |
| Q4 2025 | $72.7M | $65.9M | $39.5M | $6.7M | $879K | 1.21% | 3.41% | 0.16% | 5,732 |
| Q3 2025 | $71.7M | $65.0M | $38.5M | $6.6M | $749K | 1.39% | 3.41% | 0.30% | 5,732 |
| Q2 2025 | $69.3M | $62.9M | $39.2M | $6.3M | $493K | 1.42% | 3.51% | 0.34% | 5,749 |
| Q1 2025 | $68.5M | $62.3M | $39.1M | $6.1M | $225K | 1.31% | 3.42% | 0.23% | 5,766 |
| Q4 2024 | $66.3M | $60.4M | $38.6M | $5.8M | $524K | 0.79% | 3.06% | 0.39% | 5,701 |
| Q3 2024 | $64.8M | $59.0M | $37.7M | $5.8M | $448K | 0.92% | 2.98% | 0.45% | 5,671 |
| Q2 2024 | $65.5M | $59.8M | $35.7M | $5.6M | $229K | 0.70% | 2.79% | 0.56% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,632 |
Loan mix (Q1 2026): real estate $6.8M · commercial $0 · consumer $33.1M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 81.5% | 16th |
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.