| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +4.9% | -2.4% | +7.3 pts |
| ROA | 3.75% | 0.60% | +3.1 pts |
| ROE | 39.0% | 4.1% | +34.9 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.1M | $9.1M | $6.4M | $970K | $95K | 3.75% | 5.38% | 0.22% | 456 |
| Q4 2025 | $10.3M | $9.3M | $6.3M | $876K | $31K | 0.30% | 1.84% | 0.00% | 415 |
| Q3 2025 | $10.1M | $9.2M | $6.6M | $943K | $98K | 1.29% | 2.89% | 0.00% | 415 |
| Q2 2025 | $10.0M | $9.2M | $6.4M | $851K | $6K | 0.12% | 1.76% | 0.00% | 417 |
| Q1 2025 | $10.1M | $9.1M | $6.1M | $941K | $96K | 3.81% | 5.40% | 0.00% | 407 |
| Q4 2024 | $9.8M | $9.0M | $6.2M | $845K | $16K | 0.16% | 1.71% | 0.00% | 414 |
| Q3 2024 | $9.6M | $8.7M | $6.0M | $929K | $99K | 1.38% | 2.95% | 1.09% | 423 |
| Q2 2024 | $9.5M | $8.6M | $5.7M | $839K | $9K | 0.19% | 1.81% | 1.14% | 422 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.75% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 39.0% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.7M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 25.9% | 81.5% | 1th |
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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