| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.4 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.8 pts |
| ROA | 1.52% | 0.60% | +0.9 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.0M | $30.6M | $18.1M | $9.2M | $152K | 1.52% | 3.75% | 0.35% | 1,102 |
| Q4 2025 | $37.3M | $28.0M | $18.0M | $9.1M | $645K | 1.73% | 3.99% | 0.35% | 1,014 |
| Q3 2025 | $38.0M | $28.9M | $18.2M | $8.8M | $381K | 1.34% | 3.91% | 0.41% | 1,025 |
| Q2 2025 | $38.2M | $29.3M | $17.9M | $8.7M | $258K | 1.35% | 3.81% | 0.27% | 1,034 |
| Q1 2025 | $39.8M | $31.1M | $17.8M | $8.5M | $134K | 1.35% | 3.51% | 0.27% | 1,048 |
| Q4 2024 | $39.4M | $30.9M | $18.2M | $8.4M | $715K | 1.82% | 3.79% | 0.27% | 1,047 |
| Q3 2024 | $40.0M | $31.8M | $18.5M | $8.2M | $518K | 1.73% | 3.72% | 0.43% | 1,051 |
| Q2 2024 | $39.7M | $31.5M | $18.1M | $8.0M | $316K | 1.59% | 3.65% | 0.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,057 |
Loan mix (Q1 2026): real estate $10.6M · commercial $0 · consumer $5.6M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 81.5% | 15th |
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.