| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.5M | $30.4M | $9.5M | $3.1M | $76K | 0.91% | 4.55% | 0.44% | 3,506 |
| Q4 2025 | $32.7M | $29.6M | $10.1M | $3.0M | $244K | 0.75% | 4.17% | 0.41% | 3,500 |
| Q3 2025 | $33.2M | $30.2M | $9.4M | $2.9M | $159K | 0.64% | 4.00% | 0.36% | 3,485 |
| Q2 2025 | $32.9M | $30.0M | $9.8M | $2.8M | $83K | 0.51% | 3.90% | 0.36% | 3,456 |
| Q1 2025 | $32.9M | $30.1M | $9.7M | $2.8M | $4K | 0.05% | 3.78% | 0.30% | 3,441 |
| Q4 2024 | $31.9M | $29.1M | $8.9M | $2.8M | $170K | 0.53% | 3.59% | 0.83% | 3,406 |
| Q3 2024 | $33.0M | $30.3M | $9.1M | $2.7M | $106K | 0.43% | 3.38% | 0.20% | 3,409 |
| Q2 2024 | $32.3M | $29.6M | $9.2M | $2.7M | $65K | 0.40% | 3.38% | 0.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,354 |
Loan mix (Q1 2026): real estate $1.5M · commercial $791K · consumer $6.7M · securities $21.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 81.5% | 33th |
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.