| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 2.4% | 4.1% | -1.7 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 | $28.9M | $23.9M | $12.6M | $4.9M | $30K | 0.41% | 2.73% | 0.05% | 1,554 |
| Q4 2025 | $29.0M | $24.0M | $12.3M | $4.9M | $117K | 0.40% | 2.72% | 0.04% | 1,554 |
| Q3 2025 | $28.6M | $23.7M | $12.2M | $4.9M | $79K | 0.37% | 2.73% | 0.08% | 1,561 |
| Q2 2025 | $28.9M | $24.0M | $12.1M | $4.8M | $58K | 0.40% | 2.70% | 0.00% | 1,572 |
| Q1 2025 | $28.3M | $23.5M | $12.2M | $4.8M | $22K | 0.31% | 2.68% | 0.00% | 1,577 |
| Q4 2024 | $27.7M | $22.9M | $12.5M | $4.8M | $127K | 0.46% | 2.68% | 0.05% | 1,574 |
| Q3 2024 | $26.7M | $21.9M | $12.6M | $4.8M | $104K | 0.52% | 2.78% | 0.08% | 1,583 |
| Q2 2024 | $27.5M | $22.7M | $12.4M | $4.7M | $74K | 0.54% | 2.71% | 0.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,595 |
Loan mix (Q1 2026): real estate $10.6M · commercial $0 · consumer $1.9M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 81.5% | 60th |
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.