| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +8.4% | +0.7% | +7.7 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 3.7% | 4.1% | -0.4 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.5M | $17.9M | $10.2M | $3.6M | $33K | 0.61% | 4.52% | 0.15% | 1,710 |
| Q4 2025 | $21.4M | $17.9M | $10.4M | $3.4M | $235K | 1.10% | 4.24% | 0.19% | 1,716 |
| Q3 2025 | $21.1M | $17.8M | $10.4M | $3.3M | $62K | 0.39% | 4.20% | 1.28% | 1,726 |
| Q2 2025 | $20.2M | $16.9M | $10.4M | $3.3M | $88K | 0.87% | 4.16% | 0.89% | 1,704 |
| Q1 2025 | $19.7M | $16.5M | $10.5M | $3.2M | $5K | 0.09% | 4.16% | 0.16% | 1,718 |
| Q4 2024 | $19.2M | $16.0M | $10.6M | $3.2M | $44K | 0.23% | 4.00% | 0.03% | 1,738 |
| Q3 2024 | $19.1M | $15.9M | $10.7M | $3.2M | $102K | 0.71% | 3.96% | 0.34% | 1,754 |
| Q2 2024 | $19.0M | $15.8M | $10.3M | $3.2M | $107K | 1.13% | 4.24% | 0.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,768 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.8M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 81.5% | 26th |
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.