| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.6 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.7M | $19.8M | $4.0M | $3.8M | $53K | 0.89% | 2.85% | 0.05% | 911 |
| Q4 2025 | $23.2M | $19.3M | $4.1M | $3.8M | $355K | 1.53% | 3.31% | 0.11% | 917 |
| Q3 2025 | $22.7M | $18.8M | $3.9M | $3.7M | $262K | 1.54% | 3.34% | 0.01% | 920 |
| Q2 2025 | $22.8M | $19.1M | $4.0M | $3.6M | $176K | 1.54% | 3.34% | 0.10% | 923 |
| Q1 2025 | $22.4M | $18.8M | $4.0M | $3.5M | $76K | 1.37% | 3.21% | 0.40% | 925 |
| Q4 2024 | $22.2M | $18.6M | $3.7M | $3.4M | $359K | 1.61% | 3.46% | 0.45% | 923 |
| Q3 2024 | $22.2M | $18.8M | $3.9M | $3.3M | $261K | 1.57% | 3.40% | 0.08% | 941 |
| Q2 2024 | $21.9M | $18.5M | $3.5M | $3.2M | $171K | 1.56% | 3.35% | 0.17% | 930 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $2.3M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 81.5% | 25th |
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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