| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +7.4% | +0.7% | +6.8 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.1M | $64.7M | $33.2M | $7.4M | $119K | 0.67% | 3.69% | 0.58% | 5,656 |
| Q4 2025 | $68.4M | $62.1M | $33.4M | $7.3M | $878K | 1.28% | 3.89% | 0.47% | 5,645 |
| Q3 2025 | $66.5M | $60.4M | $33.8M | $7.2M | $728K | 1.46% | 3.97% | 0.88% | 5,713 |
| Q2 2025 | $66.7M | $61.1M | $33.8M | $6.9M | $482K | 1.45% | 3.90% | 0.65% | 5,714 |
| Q1 2025 | $65.6M | $60.2M | $33.2M | $6.6M | $187K | 1.14% | 3.86% | 0.70% | 5,726 |
| Q4 2024 | $62.6M | $57.6M | $33.7M | $6.5M | $676K | 1.08% | 3.99% | 1.16% | 5,747 |
| Q3 2024 | $62.5M | $57.5M | $34.3M | $6.3M | $477K | 1.02% | 3.95% | 1.32% | 5,791 |
| Q2 2024 | $61.7M | $57.1M | $35.0M | $6.1M | $274K | 0.89% | 3.93% | 1.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,839 |
Loan mix (Q1 2026): real estate $12.0M · commercial $0 · consumer $20.2M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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.