| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.4 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.9M | $21.2M | $14.2M | $2.4M | $39K | 0.65% | 3.91% | 0.00% | 2,002 |
| Q4 2025 | $23.1M | $20.6M | $14.3M | $2.4M | $157K | 0.68% | 3.82% | 0.00% | 2,001 |
| Q3 2025 | $22.7M | $20.2M | $14.4M | $2.3M | $108K | 0.63% | 3.80% | 0.00% | 1,999 |
| Q2 2025 | $23.1M | $20.7M | $14.0M | $2.3M | $72K | 0.62% | 3.63% | 0.38% | 2,009 |
| Q1 2025 | $23.0M | $20.7M | $13.4M | $2.2M | $30K | 0.52% | 3.45% | 0.48% | 2,002 |
| Q4 2024 | $22.4M | $20.0M | $13.6M | $2.2M | $172K | 0.77% | 3.53% | 0.00% | 1,992 |
| Q3 2024 | $22.4M | $20.2M | $13.4M | $2.2M | $141K | 0.84% | 3.54% | 0.00% | 1,991 |
| Q2 2024 | $21.7M | $19.4M | $12.9M | $2.1M | $101K | 0.93% | 3.63% | 0.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,013 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $7.3M · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 81.5% | 48th |
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.