| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.1 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $13.9M | $10.6M | $3.1M | $43K | 1.00% | 3.26% | 1.02% | 1,412 |
| Q4 2025 | $16.6M | $13.4M | $10.4M | $3.0M | $79K | 0.47% | 2.56% | 0.50% | 1,415 |
| Q3 2025 | $16.2M | $13.0M | $10.6M | $3.1M | $141K | 1.17% | 3.29% | 0.50% | 1,412 |
| Q2 2025 | $16.1M | $12.9M | $10.4M | $3.0M | $78K | 0.97% | 3.24% | 1.05% | 1,417 |
| Q1 2025 | $16.0M | $12.9M | $10.5M | $3.0M | $37K | 0.92% | 3.14% | 0.93% | 1,399 |
| Q4 2024 | $15.2M | $12.2M | $10.4M | $2.9M | $58K | 0.38% | 3.21% | 1.23% | 1,398 |
| Q3 2024 | $14.2M | $11.0M | $10.5M | $3.0M | $129K | 1.21% | 3.83% | 1.54% | 1,388 |
| Q2 2024 | $14.2M | $11.1M | $10.3M | $3.0M | $85K | 1.19% | 3.84% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,387 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.6M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 81.5% | 14th |
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.