| Metric | Legacy Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.1 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.4M | $20.9M | $14.9M | $4.3M | $84K | 1.33% | 3.82% | 0.74% | 3,203 |
| Q4 2025 | $25.1M | $20.6M | $15.2M | $4.3M | $298K | 1.19% | 3.76% | 1.35% | 3,207 |
| Q3 2025 | $24.9M | $20.6M | $15.2M | $4.2M | $217K | 1.16% | 3.75% | 0.80% | 3,191 |
| Q2 2025 | $25.6M | $21.4M | $15.0M | $4.1M | $128K | 1.00% | 3.55% | 1.80% | 3,185 |
| Q1 2025 | $25.2M | $21.0M | $15.4M | $4.0M | $80K | 1.26% | 3.66% | 1.11% | 3,186 |
| Q4 2024 | $24.6M | $20.5M | $15.5M | $4.0M | $199K | 0.81% | 2.98% | 1.00% | 3,166 |
| Q3 2024 | $24.9M | $20.7M | $14.7M | $3.9M | $166K | 0.89% | 2.83% | 1.65% | 3,218 |
| Q2 2024 | $20.8M | $17.5M | $11.5M | $3.1M | $79K | 0.76% | 2.89% | 1.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Legacy Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,826 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $11.2M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 81.5% | 18th |
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 | Legacy Credit Union | 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 | Legacy Credit Union | 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 | Legacy Credit Union | 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 | Legacy Credit Union | 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.