| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | +11.9% | -2.4% | +14.3 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.2M | $7.4M | $3.1M | $1.6M | $5K | 0.24% | 3.98% | 1.16% | 947 |
| Q4 2025 | $8.9M | $7.3M | $3.0M | $1.6M | $80K | 0.89% | 4.39% | 0.71% | 945 |
| Q3 2025 | $8.8M | $7.1M | $3.0M | $1.6M | $61K | 0.92% | 4.45% | 0.87% | 941 |
| Q2 2025 | $8.7M | $7.1M | $2.8M | $1.6M | $45K | 1.04% | 4.07% | 1.29% | 940 |
| Q1 2025 | $9.1M | $7.5M | $2.8M | $1.6M | $20K | 0.86% | 4.32% | 2.27% | 942 |
| Q4 2024 | $8.9M | $7.2M | $2.8M | $1.5M | $100K | 1.12% | 4.80% | 1.48% | 937 |
| Q3 2024 | $8.8M | $7.2M | $2.7M | $1.5M | $129K | 1.95% | 4.93% | 1.14% | 931 |
| Q2 2024 | $8.9M | $7.4M | $2.8M | $1.5M | $85K | 1.91% | 4.88% | 0.62% | 927 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $15K · commercial $0 · consumer $3.0M · securities $895K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 81.5% | 67th |
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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