| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.6% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 14.7% | 4.1% | +10.6 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.4M | $24.1M | $15.1M | $2.3M | $84K | 1.26% | 3.87% | 0.02% | 1,689 |
| Q4 2025 | $26.3M | $24.1M | $15.4M | $2.2M | $208K | 0.79% | 3.66% | 0.61% | 1,693 |
| Q3 2025 | $24.0M | $21.8M | $16.0M | $2.2M | $169K | 0.94% | 3.93% | 0.38% | 1,693 |
| Q2 2025 | $25.1M | $23.0M | $15.8M | $2.1M | $114K | 0.91% | 3.66% | 0.67% | 1,687 |
| Q1 2025 | $24.7M | $22.7M | $15.8M | $2.0M | $55K | 0.89% | 3.54% | 0.58% | 1,668 |
| Q4 2024 | $24.5M | $22.5M | $16.1M | $2.0M | $133K | 0.54% | 3.17% | 1.18% | 1,670 |
| Q3 2024 | $25.1M | $23.2M | $16.0M | $2.0M | $99K | 0.53% | 2.98% | 1.17% | 1,662 |
| Q2 2024 | $26.5M | $24.6M | $16.1M | $1.9M | $62K | 0.46% | 2.74% | 1.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,657 |
Loan mix (Q1 2026): real estate $7.0M · commercial $0 · consumer $7.5M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 81.5% | 21th |
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.