| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | +12.4% | -2.4% | +14.8 pts |
| ROA | 1.92% | 0.60% | +1.3 pts |
| ROE | 13.6% | 4.1% | +9.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.7M | $43.5M | $22.8M | $7.1M | $244K | 1.92% | 3.52% | 1.99% | 3,703 |
| Q4 2025 | $49.2M | $42.3M | $23.2M | $6.9M | $1.0M | 2.12% | 3.66% | 2.03% | 3,717 |
| Q3 2025 | $47.5M | $41.1M | $23.4M | $6.6M | $777K | 2.18% | 3.78% | 1.94% | 3,723 |
| Q2 2025 | $48.7M | $42.7M | $21.6M | $6.4M | $509K | 2.09% | 3.64% | 2.11% | 3,710 |
| Q1 2025 | $47.5M | $41.8M | $20.3M | $6.1M | $242K | 2.03% | 3.60% | 2.28% | 3,697 |
| Q4 2024 | $45.5M | $39.9M | $20.3M | $5.9M | $1.1M | 2.40% | 3.81% | 2.27% | 3,692 |
| Q3 2024 | $44.0M | $38.9M | $20.1M | $5.5M | $816K | 2.47% | 3.93% | 2.18% | 3,701 |
| Q2 2024 | $46.1M | $41.4M | $18.5M | $5.3M | $552K | 2.40% | 3.74% | 2.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,720 |
Loan mix (Q1 2026): real estate $14.8M · commercial $0 · consumer $8.0M · securities $18.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 81.5% | 4th |
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.