| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.4% | +0.7% | +6.8 pts |
| Loan growth (YoY) | -1.4% | -2.4% | +0.9 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $10.8M | $8.3M | $2.1M | $22K | 0.69% | 2.96% | 0.45% | 1,230 |
| Q4 2025 | $12.5M | $10.5M | $8.6M | $2.1M | $77K | 0.62% | 2.98% | 0.89% | 1,224 |
| Q3 2025 | $12.2M | $10.1M | $9.0M | $2.0M | $57K | 0.62% | 3.05% | 1.10% | 1,239 |
| Q2 2025 | $12.3M | $10.3M | $8.8M | $2.0M | $36K | 0.59% | 2.96% | 0.24% | 1,430 |
| Q1 2025 | $12.1M | $10.1M | $8.5M | $2.0M | $21K | 0.69% | 2.94% | 0.21% | 1,228 |
| Q4 2024 | $11.9M | $9.9M | $8.4M | $2.0M | $76K | 0.64% | 2.96% | 0.41% | 1,214 |
| Q3 2024 | $12.0M | $10.1M | $8.3M | $2.0M | $61K | 0.68% | 2.89% | 0.17% | 1,213 |
| Q2 2024 | $11.9M | $10.0M | $8.1M | $1.9M | $44K | 0.74% | 2.86% | 0.20% | 1,206 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $44K · commercial $0 · consumer $6.9M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 81.5% | 33th |
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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