| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.8 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.2M | $65.3M | $23.4M | $12.5M | $135K | 0.70% | 3.13% | 0.91% | 4,717 |
| Q4 2025 | $75.7M | $64.3M | $23.4M | $12.3M | $416K | 0.55% | 3.07% | 1.33% | 4,718 |
| Q3 2025 | $76.8M | $65.1M | $24.0M | $12.3M | $359K | 0.62% | 2.97% | 1.54% | 4,733 |
| Q2 2025 | $76.8M | $64.6M | $23.9M | $12.1M | $196K | 0.51% | 2.88% | 1.66% | 4,729 |
| Q1 2025 | $76.6M | $64.4M | $23.5M | $12.0M | $67K | 0.35% | 2.80% | 1.14% | 4,808 |
| Q4 2024 | $73.9M | $61.8M | $23.8M | $11.9M | $112K | 0.15% | 2.83% | 1.71% | 4,859 |
| Q3 2024 | $74.6M | $62.4M | $24.1M | $12.0M | $170K | 0.30% | 2.89% | 1.98% | 4,923 |
| Q2 2024 | $75.0M | $62.9M | $24.7M | $11.9M | $145K | 0.39% | 2.90% | 1.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,870 |
Loan mix (Q1 2026): real estate $8.6M · commercial $0 · consumer $14.5M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 81.5% | 50th |
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.