| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.1 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.5M | $82.7M | $62.1M | $12.1M | $284K | 1.15% | 3.52% | 0.29% | 8,059 |
| Q4 2025 | $95.2M | $79.5M | $62.2M | $11.8M | $1.1M | 1.18% | 3.43% | 0.10% | 8,055 |
| Q3 2025 | $92.8M | $77.3M | $60.8M | $11.6M | $912K | 1.31% | 3.46% | 0.08% | 8,057 |
| Q2 2025 | $93.4M | $78.3M | $60.0M | $11.2M | $563K | 1.20% | 3.37% | 0.24% | 8,063 |
| Q1 2025 | $95.3M | $80.5M | $59.9M | $10.9M | $212K | 0.89% | 3.17% | 0.07% | 8,060 |
| Q4 2024 | $92.5M | $77.4M | $60.0M | $10.7M | $979K | 1.06% | 3.01% | 0.10% | 8,037 |
| Q3 2024 | $87.0M | $72.1M | $58.3M | $10.4M | $720K | 1.10% | 3.14% | 0.09% | 8,038 |
| Q2 2024 | $87.1M | $71.9M | $58.5M | $10.1M | $404K | 0.93% | 3.04% | 0.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,019 |
Loan mix (Q1 2026): real estate $30.2M · commercial $6.3M · consumer $23.8M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 81.5% | 39th |
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.