| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +2.6% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -2.6% | -2.4% | -0.2 pts |
| ROA | 2.06% | 0.60% | +1.5 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.9M | $34.3M | $18.1M | $12.3M | $242K | 2.06% | 4.42% | 0.07% | 5,103 |
| Q4 2025 | $46.1M | $33.7M | $18.2M | $12.1M | $1.0M | 2.18% | 4.62% | 0.05% | 5,065 |
| Q3 2025 | $45.1M | $33.1M | $18.6M | $11.9M | $766K | 2.27% | 4.73% | 0.38% | 5,042 |
| Q2 2025 | $45.4M | $33.5M | $18.5M | $11.6M | $479K | 2.11% | 4.66% | 0.17% | 5,042 |
| Q1 2025 | $45.0M | $33.4M | $18.6M | $11.3M | $218K | 1.94% | 4.66% | 0.21% | 4,986 |
| Q4 2024 | $44.0M | $32.6M | $18.2M | $11.1M | $1.1M | 2.60% | 4.84% | 1.06% | 4,917 |
| Q3 2024 | $43.5M | $32.4M | $18.1M | $10.8M | $868K | 2.66% | 4.87% | 0.17% | 4,889 |
| Q2 2024 | $44.7M | $33.6M | $18.0M | $10.5M | $576K | 2.58% | 4.61% | 0.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,923 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $13.4M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 81.5% | 17th |
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.