| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $67.8M | $57.5M | $45.4M | $10.0M | $158K | 0.93% | 4.53% | 0.17% | 6,323 |
| Q4 2025 | $68.3M | $58.1M | $44.6M | $9.8M | $746K | 1.09% | 4.60% | 0.24% | 6,297 |
| Q3 2025 | $67.2M | $56.9M | $43.6M | $9.9M | $729K | 1.45% | 4.64% | 0.38% | 6,314 |
| Q2 2025 | $67.0M | $57.2M | $44.5M | $9.6M | $450K | 1.34% | 4.59% | 0.25% | 6,407 |
| Q1 2025 | $66.7M | $57.2M | $44.7M | $9.4M | $236K | 1.41% | 4.55% | 0.14% | 6,438 |
| Q4 2024 | $65.7M | $56.1M | $46.2M | $9.1M | $901K | 1.37% | 4.58% | 0.22% | 6,505 |
| Q3 2024 | $65.5M | $56.3M | $47.9M | $9.0M | $775K | 1.58% | 4.57% | 0.28% | 6,566 |
| Q2 2024 | $66.1M | $56.9M | $49.6M | $8.8M | $530K | 1.60% | 4.44% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,657 |
Loan mix (Q1 2026): real estate $29K · commercial $0 · consumer $41.9M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 81.5% | 36th |
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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