| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.2 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.8 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 10.4% | 4.1% | +6.3 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.4M | $88.5M | $74.1M | $9.6M | $249K | 1.01% | 3.80% | 0.44% | 12,058 |
| Q4 2025 | $96.4M | $86.8M | $74.3M | $9.4M | $581K | 0.60% | 3.58% | 0.51% | 12,043 |
| Q3 2025 | $95.3M | $85.8M | $71.9M | $9.2M | $375K | 0.52% | 3.49% | 0.67% | 12,114 |
| Q2 2025 | $97.9M | $88.8M | $73.0M | $9.0M | $214K | 0.44% | 3.25% | 1.12% | 10,553 |
| Q1 2025 | $97.8M | $89.0M | $74.5M | $8.8M | $-32K | -0.13% | 2.98% | 0.81% | 10,442 |
| Q4 2024 | $99.0M | $90.2M | $74.9M | $8.8M | $685K | 0.69% | 3.28% | 0.46% | 13,855 |
| Q3 2024 | $97.8M | $89.0M | $74.0M | $8.7M | $595K | 0.81% | 3.34% | 0.52% | 13,819 |
| Q2 2024 | $96.3M | $87.8M | $72.2M | $8.5M | $365K | 0.76% | 3.34% | 0.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 13,755 |
Loan mix (Q1 2026): real estate $29.3M · commercial $0 · consumer $35.1M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 49th |
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% |
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