| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +8.1% | +0.7% | +7.4 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.1 pts |
| ROA | 1.89% | 0.60% | +1.3 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $56.3M | $46.1M | $41.3M | $9.9M | $266K | 1.89% | 5.59% | 0.46% | 5,858 |
| Q4 2025 | $55.7M | $45.7M | $40.9M | $9.6M | $1.3M | 2.33% | 5.42% | 0.48% | 5,782 |
| Q3 2025 | $53.5M | $43.9M | $40.4M | $9.3M | $946K | 2.36% | 5.56% | 0.30% | 5,720 |
| Q2 2025 | $52.3M | $43.1M | $39.6M | $9.0M | $578K | 2.21% | 5.54% | 0.47% | 5,663 |
| Q1 2025 | $51.5M | $42.6M | $38.0M | $8.6M | $235K | 1.83% | 5.49% | 0.55% | 5,635 |
| Q4 2024 | $50.2M | $41.3M | $37.3M | $8.4M | $1.2M | 2.35% | 5.66% | 0.57% | 5,669 |
| Q3 2024 | $49.5M | $40.9M | $36.1M | $8.2M | $941K | 2.54% | 5.69% | 0.19% | 5,627 |
| Q2 2024 | $48.3M | $40.1M | $36.3M | $7.8M | $609K | 2.52% | 5.79% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,588 |
Loan mix (Q1 2026): real estate $3.8M · commercial $0 · consumer $35.1M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 81.5% | 18th |
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.