| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +4.6% | -2.4% | +6.9 pts |
| ROA | 2.29% | 0.60% | +1.7 pts |
| ROE | 16.0% | 4.1% | +11.9 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.0M | $23.1M | $9.7M | $3.9M | $155K | 2.29% | 3.89% | 0.14% | 2,490 |
| Q4 2025 | $26.2M | $22.5M | $9.7M | $3.7M | $649K | 2.47% | 3.96% | 0.14% | 2,560 |
| Q3 2025 | $26.0M | $22.5M | $9.7M | $3.5M | $482K | 2.47% | 3.96% | 0.00% | 2,551 |
| Q2 2025 | $26.0M | $22.6M | $9.4M | $3.4M | $305K | 2.35% | 3.87% | 0.15% | 2,530 |
| Q1 2025 | $25.6M | $22.4M | $9.3M | $3.2M | $144K | 2.24% | 3.79% | 0.18% | 2,538 |
| Q4 2024 | $24.5M | $21.4M | $9.1M | $3.1M | $557K | 2.28% | 3.73% | 0.29% | 2,633 |
| Q3 2024 | $23.3M | $20.4M | $9.1M | $2.9M | $394K | 2.25% | 3.82% | 0.12% | 2,629 |
| Q2 2024 | $24.3M | $21.6M | $8.8M | $2.8M | $252K | 2.07% | 3.51% | 0.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,471 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.6M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 81.5% | 4th |
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.