| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +7.6% | +0.7% | +6.9 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.5 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.8M | $38.3M | $32.2M | $5.3M | $28K | 0.25% | 3.40% | 0.67% | 2,619 |
| Q4 2025 | $46.0M | $38.6M | $32.7M | $5.3M | $155K | 0.34% | 3.09% | 0.51% | 2,632 |
| Q3 2025 | $46.5M | $38.6M | $33.0M | $5.4M | $228K | 0.65% | 3.01% | 0.37% | 2,607 |
| Q2 2025 | $45.9M | $37.6M | $32.6M | $5.3M | $131K | 0.57% | 3.01% | 0.49% | 2,597 |
| Q1 2025 | $43.4M | $35.6M | $30.9M | $5.2M | $47K | 0.43% | 3.08% | 0.50% | 2,589 |
| Q4 2024 | $42.4M | $34.2M | $30.2M | $5.2M | $-81K | -0.19% | 2.89% | 0.24% | 2,577 |
| Q3 2024 | $43.5M | $35.2M | $30.1M | $5.3M | $-20K | -0.06% | 2.73% | 0.48% | 2,589 |
| Q2 2024 | $45.3M | $37.0M | $29.5M | $5.3M | $5K | 0.02% | 2.50% | 0.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,553 |
Loan mix (Q1 2026): real estate $20.4M · commercial $0 · consumer $10.2M · securities $7.3M
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.