| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.3 pts |
| ROA | 2.72% | 0.60% | +2.1 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.1M | $3.0M | $3.5M | $1.1M | $28K | 2.72% | 5.83% | 0.51% | 544 |
| Q4 2025 | $4.0M | $3.0M | $3.5M | $1.1M | $74K | 1.84% | 5.18% | 0.62% | 540 |
| Q3 2025 | $4.0M | $3.0M | $3.5M | $1.1M | $64K | 2.14% | 5.42% | 0.09% | 542 |
| Q2 2025 | $4.0M | $3.0M | $3.5M | $1.0M | $43K | 2.16% | 5.15% | 1.49% | 539 |
| Q1 2025 | $4.0M | $3.0M | $3.4M | $1.0M | $25K | 2.47% | 5.29% | 1.69% | 532 |
| Q4 2024 | $4.1M | $3.1M | $3.4M | $986K | $62K | 1.52% | 4.27% | 1.90% | 531 |
| Q3 2024 | $4.1M | $3.1M | $3.3M | $986K | $61K | 2.01% | 4.31% | 0.60% | 527 |
| Q2 2024 | $3.8M | $2.9M | $3.1M | $960K | $36K | 1.88% | 4.34% | 0.73% | 518 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $417K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 81.5% | 7th |
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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