| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +7.0% | -2.4% | +9.4 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.6M | $35.9M | $23.7M | $3.6M | $63K | 0.64% | 3.08% | 0.34% | 2,224 |
| Q4 2025 | $38.8M | $35.1M | $23.3M | $3.5M | $231K | 0.60% | 2.94% | 0.56% | 2,223 |
| Q3 2025 | $37.9M | $34.3M | $22.5M | $3.5M | $180K | 0.63% | 2.95% | 0.32% | 2,215 |
| Q2 2025 | $37.8M | $34.3M | $22.3M | $3.4M | $114K | 0.60% | 2.93% | 0.38% | 2,205 |
| Q1 2025 | $37.8M | $34.3M | $22.2M | $3.4M | $52K | 0.55% | 2.86% | 0.13% | 2,192 |
| Q4 2024 | $37.1M | $33.7M | $21.9M | $3.3M | $144K | 0.39% | 2.98% | 0.26% | 2,186 |
| Q3 2024 | $36.5M | $33.1M | $22.1M | $3.3M | $93K | 0.34% | 2.92% | 0.26% | 2,183 |
| Q2 2024 | $36.8M | $33.5M | $22.2M | $3.2M | $45K | 0.24% | 2.87% | 0.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,171 |
Loan mix (Q1 2026): real estate $10.3M · commercial $0 · consumer $11.3M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 81.5% | 41th |
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% |
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