| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.0 pts |
| ROA | 1.47% | 0.60% | +0.9 pts |
| ROE | 8.8% | 4.1% | +4.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.7M | $30.5M | $17.4M | $6.2M | $135K | 1.47% | 3.48% | 0.06% | 2,460 |
| Q4 2025 | $35.7M | $29.6M | $17.4M | $6.0M | $685K | 1.92% | 3.82% | 0.14% | 2,458 |
| Q3 2025 | $35.8M | $29.8M | $16.7M | $5.9M | $526K | 1.96% | 3.80% | 0.05% | 2,445 |
| Q2 2025 | $35.5M | $29.7M | $15.8M | $5.7M | $338K | 1.90% | 3.69% | 0.02% | 2,426 |
| Q1 2025 | $35.4M | $29.8M | $16.3M | $5.5M | $152K | 1.72% | 3.58% | 0.02% | 2,462 |
| Q4 2024 | $34.3M | $28.8M | $16.2M | $5.3M | $648K | 1.89% | 3.43% | 0.47% | 2,460 |
| Q3 2024 | $34.2M | $28.9M | $15.6M | $5.2M | $499K | 1.95% | 3.77% | 0.39% | 2,435 |
| Q2 2024 | $34.2M | $29.1M | $15.6M | $4.9M | $265K | 1.55% | 3.27% | 0.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,429 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $11.2M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 81.5% | 18th |
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.