| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | +5.7% | -2.4% | +8.1 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 4.1% | 4.1% | -0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.4M | $16.4M | $17.0M | $1.8M | $19K | 0.40% | 3.16% | 0.25% | 1,306 |
| Q4 2025 | $18.4M | $16.4M | $17.1M | $1.8M | $31K | 0.17% | 2.84% | 0.33% | 1,314 |
| Q3 2025 | $18.2M | $16.2M | $16.7M | $1.8M | $22K | 0.16% | 2.76% | 0.36% | 1,321 |
| Q2 2025 | $17.7M | $15.8M | $16.1M | $1.8M | $-5K | -0.05% | 1.74% | 0.09% | 1,327 |
| Q1 2025 | $17.7M | $15.8M | $16.1M | $1.8M | $-8K | -0.18% | 2.57% | 1.19% | 1,326 |
| Q4 2024 | $17.9M | $15.9M | $16.0M | $1.9M | $315 | 0.00% | 2.58% | 0.10% | 1,354 |
| Q3 2024 | $18.0M | $16.1M | $16.3M | $1.9M | $-32K | -0.24% | 2.17% | 0.12% | 1,334 |
| Q2 2024 | $17.3M | $15.4M | $15.8M | $1.9M | $-39K | -0.46% | 2.22% | 0.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,341 |
Loan mix (Q1 2026): real estate $12.2M · commercial $0 · consumer $4.1M · securities $134K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 81.5% | 71th |
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.