| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.4 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 9.0% | 4.1% | +4.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $9.2M | $7.2M | $1.3M | $29K | 1.09% | 3.16% | 1.91% | 1,299 |
| Q4 2025 | $10.4M | $9.1M | $7.1M | $1.2M | $55K | 0.53% | 2.78% | 1.28% | 1,291 |
| Q3 2025 | $10.4M | $9.0M | $7.4M | $1.3M | $123K | 1.58% | 3.03% | 4.12% | 1,303 |
| Q2 2025 | $10.2M | $8.9M | $7.2M | $1.3M | $98K | 1.93% | 3.31% | 4.86% | 1,299 |
| Q1 2025 | $10.4M | $9.1M | $7.5M | $1.2M | $43K | 1.63% | 3.22% | 3.76% | 1,307 |
| Q4 2024 | $10.5M | $9.3M | $7.9M | $1.2M | $21K | 0.20% | 2.99% | 5.87% | 1,312 |
| Q3 2024 | $10.7M | $9.3M | $7.8M | $1.3M | $129K | 1.62% | 3.11% | 4.60% | 1,305 |
| Q2 2024 | $10.2M | $9.0M | $7.8M | $1.3M | $14K | 0.28% | 3.26% | 1.97% | 1,298 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.1M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 81.5% | 21th |
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.