| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.2 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.1M | $72.9M | $39.8M | $20.1M | $156K | 0.67% | 2.86% | 0.63% | 5,991 |
| Q4 2025 | $91.2M | $71.2M | $40.7M | $19.9M | $683K | 0.75% | 2.88% | 1.33% | 5,994 |
| Q3 2025 | $89.9M | $70.1M | $40.6M | $19.7M | $478K | 0.71% | 2.87% | 1.05% | 5,999 |
| Q2 2025 | $91.3M | $71.8M | $40.9M | $19.5M | $303K | 0.66% | 2.76% | 1.15% | 6,042 |
| Q1 2025 | $90.6M | $71.2M | $39.8M | $19.4M | $132K | 0.58% | 2.74% | 0.88% | 6,021 |
| Q4 2024 | $87.6M | $68.3M | $40.3M | $19.2M | $608K | 0.69% | 2.62% | 1.36% | 6,037 |
| Q3 2024 | $88.4M | $69.3M | $38.5M | $19.1M | $442K | 0.67% | 2.55% | 1.06% | 6,054 |
| Q2 2024 | $89.2M | $70.0M | $38.8M | $18.8M | $228K | 0.51% | 2.41% | 0.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,101 |
Loan mix (Q1 2026): real estate $9.4M · commercial $3.8M · consumer $23.4M · securities $47.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th |
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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