| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.5 pts |
| ROA | 1.70% | 0.60% | +1.1 pts |
| ROE | 15.6% | 4.1% | +11.5 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $83.2M | $74.2M | $49.0M | $9.1M | $354K | 1.70% | 3.90% | 0.02% | 6,309 |
| Q4 2025 | $82.5M | $73.8M | $47.8M | $8.7M | $1.4M | 1.64% | 3.87% | 0.02% | 6,289 |
| Q3 2025 | $81.9M | $73.5M | $48.6M | $8.3M | $993K | 1.62% | 3.83% | 0.00% | 6,304 |
| Q2 2025 | $82.2M | $74.1M | $48.6M | $7.9M | $595K | 1.45% | 3.72% | 0.09% | 6,300 |
| Q1 2025 | $79.5M | $71.7M | $48.5M | $7.6M | $266K | 1.34% | 3.72% | 0.12% | 6,310 |
| Q4 2024 | $79.5M | $72.0M | $46.8M | $7.4M | $746K | 0.94% | 3.20% | 0.22% | 6,297 |
| Q3 2024 | $78.7M | $71.4M | $46.8M | $7.1M | $505K | 0.86% | 3.11% | 0.05% | 6,286 |
| Q2 2024 | $79.9M | $72.7M | $47.0M | $6.9M | $297K | 0.74% | 2.92% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,274 |
Loan mix (Q1 2026): real estate $13.7M · commercial $0 · consumer $30.6M · securities $23.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 81.5% | 15th |
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.