| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.7 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 1.27% | 0.60% | +0.7 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.5M | $49.0M | $37.8M | $6.3M | $176K | 1.27% | 3.25% | 0.56% | 3,275 |
| Q4 2025 | $53.7M | $47.7M | $36.9M | $6.1M | $444K | 0.83% | 2.52% | 0.54% | 3,252 |
| Q3 2025 | $53.9M | $47.3M | $37.0M | $6.3M | $629K | 1.56% | 3.19% | 0.44% | 3,230 |
| Q2 2025 | $53.3M | $47.0M | $37.1M | $6.1M | $409K | 1.54% | 3.15% | 0.36% | 3,197 |
| Q1 2025 | $52.4M | $46.5M | $37.2M | $5.9M | $216K | 1.65% | 3.14% | 0.22% | 3,145 |
| Q4 2024 | $51.3M | $45.3M | $36.8M | $5.7M | $481K | 0.94% | 2.95% | 0.19% | 3,101 |
| Q3 2024 | $50.3M | $44.7M | $35.7M | $5.5M | $286K | 0.76% | 2.92% | 0.27% | 3,059 |
| Q2 2024 | $50.5M | $45.1M | $35.4M | $5.5M | $272K | 1.08% | 2.79% | 0.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,026 |
Loan mix (Q1 2026): real estate $16.2M · commercial $0 · consumer $18.7M · securities $10.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 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.