| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -0.9% | -2.4% | +1.5 pts |
| ROA | 1.69% | 0.60% | +1.1 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.4M | $33.3M | $12.6M | $4.8M | $162K | 1.69% | 3.21% | 0.02% | 1,963 |
| Q4 2025 | $37.6M | $32.4M | $12.6M | $4.6M | $477K | 1.27% | 3.17% | 0.02% | 1,990 |
| Q3 2025 | $37.3M | $32.5M | $12.8M | $4.5M | $345K | 1.23% | 3.11% | 0.00% | 1,989 |
| Q2 2025 | $36.7M | $32.1M | $13.0M | $4.4M | $214K | 1.17% | 3.07% | 0.00% | 1,989 |
| Q1 2025 | $36.6M | $32.2M | $12.7M | $4.3M | $90K | 0.99% | 2.94% | 0.00% | 1,979 |
| Q4 2024 | $35.7M | $31.3M | $12.9M | $4.2M | $285K | 0.80% | 2.69% | 0.01% | 2,081 |
| Q3 2024 | $35.8M | $31.6M | $12.8M | $4.1M | $207K | 0.77% | 2.61% | 0.00% | 2,077 |
| Q2 2024 | $36.6M | $32.3M | $13.2M | $4.1M | $133K | 0.72% | 2.46% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,084 |
Loan mix (Q1 2026): real estate $6.5M · commercial $0 · consumer $5.7M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 81.5% | 6th |
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.