| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +5.0% | +0.7% | +4.3 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +3.9 pts |
| ROA | 1.93% | 0.60% | +1.3 pts |
| ROE | 16.9% | 4.1% | +12.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.7M | $74.7M | $39.2M | $9.7M | $410K | 1.93% | 3.91% | 0.57% | 5,045 |
| Q4 2025 | $84.3M | $74.7M | $38.5M | $9.3M | $8K | 0.01% | 1.83% | 0.48% | 5,017 |
| Q3 2025 | $82.1M | $70.6M | $38.7M | $11.0M | $1.7M | 2.78% | 4.69% | 0.37% | 5,016 |
| Q2 2025 | $81.8M | $71.1M | $38.5M | $10.4M | $1.1M | 2.75% | 4.67% | 0.37% | 4,986 |
| Q1 2025 | $81.6M | $71.2M | $38.6M | $9.7M | $455K | 2.23% | 4.15% | 0.15% | 4,980 |
| Q4 2024 | $80.0M | $70.4M | $37.7M | $9.3M | $694K | 0.87% | 2.95% | 0.56% | 4,948 |
| Q3 2024 | $77.9M | $67.6M | $37.5M | $9.9M | $1.3M | 2.29% | 4.36% | 0.57% | 4,954 |
| Q2 2024 | $79.9M | $69.7M | $37.7M | $9.5M | $881K | 2.21% | 4.21% | 0.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,936 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $29.3M · securities $30.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 81.5% | 8th |
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.