| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.6% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +9.5% | -2.4% | +11.8 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.9M | $35.9M | $18.5M | $3.9M | $47K | 0.47% | 3.11% | 0.19% | 2,541 |
| Q4 2025 | $38.8M | $34.7M | $18.5M | $3.9M | $153K | 0.39% | 2.85% | 0.18% | 2,531 |
| Q3 2025 | $38.7M | $34.7M | $17.9M | $3.8M | $105K | 0.36% | 2.80% | 0.38% | 2,523 |
| Q2 2025 | $38.5M | $34.6M | $17.3M | $3.8M | $58K | 0.30% | 2.74% | 0.19% | 2,503 |
| Q1 2025 | $37.9M | $34.0M | $16.9M | $3.8M | $24K | 0.26% | 2.71% | 0.17% | 2,503 |
| Q4 2024 | $37.2M | $33.3M | $17.2M | $3.7M | $131K | 0.35% | 2.63% | 0.11% | 2,507 |
| Q3 2024 | $37.3M | $33.4M | $16.9M | $3.7M | $61K | 0.22% | 2.57% | 0.14% | 2,492 |
| Q2 2024 | $37.9M | $34.1M | $16.4M | $3.7M | $36K | 0.19% | 2.41% | 0.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,473 |
Loan mix (Q1 2026): real estate $11.6M · commercial $0 · consumer $4.9M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 81.5% | 58th |
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.