| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +9.6% | +0.7% | +8.9 pts |
| Loan growth (YoY) | +11.0% | -2.4% | +13.4 pts |
| ROA | 1.78% | 0.60% | +1.2 pts |
| ROE | 11.0% | 4.1% | +6.9 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.6M | $20.6M | $20.0M | $4.0M | $110K | 1.78% | 3.36% | 1.38% | 1,206 |
| Q4 2025 | $25.0M | $21.1M | $19.7M | $3.9M | $410K | 1.64% | 3.26% | 1.96% | 1,199 |
| Q3 2025 | $24.6M | $20.8M | $18.9M | $3.8M | $310K | 1.68% | 3.31% | 2.01% | 1,193 |
| Q2 2025 | $23.2M | $19.5M | $18.2M | $3.7M | $211K | 1.82% | 3.54% | 2.13% | 1,188 |
| Q1 2025 | $22.4M | $18.8M | $18.0M | $3.6M | $130K | 2.32% | 3.80% | 1.36% | 1,188 |
| Q4 2024 | $21.7M | $18.3M | $18.1M | $3.5M | $452K | 2.08% | 3.63% | 1.65% | 1,188 |
| Q3 2024 | $22.3M | $19.0M | $17.9M | $3.4M | $334K | 2.00% | 3.51% | 1.38% | 1,198 |
| Q2 2024 | $22.1M | $18.8M | $16.9M | $3.2M | $209K | 1.89% | 3.44% | 1.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,189 |
Loan mix (Q1 2026): real estate $16.0M · commercial $144K · consumer $2.7M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 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.