| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.1M | $13.8M | $10.8M | $2.3M | $30K | 0.75% | 4.03% | 2.32% | 1,354 |
| Q4 2025 | $15.3M | $13.0M | $10.9M | $2.2M | $133K | 0.87% | 4.08% | 4.73% | 1,342 |
| Q3 2025 | $15.3M | $13.1M | $10.7M | $2.2M | $114K | 0.99% | 4.13% | 4.30% | 1,283 |
| Q2 2025 | $14.9M | $12.7M | $11.0M | $2.2M | $63K | 0.85% | 4.24% | 5.79% | 1,331 |
| Q1 2025 | $15.1M | $12.9M | $10.8M | $2.2M | $33K | 0.87% | 4.07% | 2.19% | 1,320 |
| Q4 2024 | $15.2M | $13.0M | $10.8M | $2.1M | $142K | 0.94% | 3.69% | 3.74% | 1,303 |
| Q3 2024 | $14.8M | $12.7M | $10.9M | $2.1M | $64K | 0.57% | 3.76% | 3.28% | 1,255 |
| Q2 2024 | $14.4M | $12.4M | $11.0M | $2.1M | $62K | 0.85% | 3.72% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,249 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.4M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 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.