| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.5 pts |
| ROA | 2.73% | 0.60% | +2.1 pts |
| ROE | 15.4% | 4.1% | +11.3 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.0M | $38.6M | $31.7M | $8.5M | $327K | 2.73% | 4.76% | 1.16% | 3,811 |
| Q4 2025 | $45.5M | $37.1M | $31.9M | $8.1M | $629K | 1.38% | 4.76% | 0.83% | 3,830 |
| Q3 2025 | $44.9M | $36.4M | $32.6M | $8.0M | $461K | 1.37% | 4.94% | 1.24% | 3,826 |
| Q2 2025 | $45.5M | $37.1M | $32.1M | $7.8M | $301K | 1.33% | 4.76% | 1.91% | 3,830 |
| Q1 2025 | $45.1M | $36.9M | $31.4M | $7.7M | $189K | 1.68% | 4.86% | 1.89% | 3,807 |
| Q4 2024 | $43.3M | $35.3M | $31.6M | $7.5M | $1.2M | 2.66% | 4.85% | 0.69% | 3,794 |
| Q3 2024 | $43.4M | $35.4M | $31.5M | $7.2M | $854K | 2.63% | 5.03% | 0.55% | 3,884 |
| Q2 2024 | $41.7M | $34.2M | $30.7M | $6.9M | $491K | 2.35% | 5.17% | 0.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.73% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,958 |
Loan mix (Q1 2026): real estate $13.0M · commercial $0 · consumer $15.9M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 81.5% | 13th |
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.