| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +7.0% | -2.4% | +9.4 pts |
| ROA | 1.46% | 0.60% | +0.9 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.8M | $65.9M | $51.6M | $11.6M | $285K | 1.46% | 4.68% | 0.91% | 8,560 |
| Q4 2025 | $77.0M | $63.4M | $54.3M | $11.3M | $1.2M | 1.51% | 4.64% | 0.75% | 8,470 |
| Q3 2025 | $75.5M | $61.9M | $52.1M | $11.1M | $894K | 1.58% | 4.60% | 0.78% | 8,398 |
| Q2 2025 | $74.5M | $63.6M | $49.7M | $10.8M | $580K | 1.56% | 4.57% | 0.96% | 8,342 |
| Q1 2025 | $75.6M | $65.1M | $48.2M | $10.4M | $279K | 1.47% | 4.39% | 1.06% | 8,324 |
| Q4 2024 | $74.5M | $64.3M | $49.4M | $10.2M | $1.2M | 1.54% | 4.19% | 1.12% | 8,197 |
| Q3 2024 | $71.6M | $61.6M | $47.3M | $9.9M | $861K | 1.60% | 4.26% | 0.92% | 8,095 |
| Q2 2024 | $71.2M | $61.6M | $46.9M | $9.6M | $552K | 1.55% | 4.23% | 0.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,026 |
Loan mix (Q1 2026): real estate $24.5M · commercial $0 · consumer $27.0M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 81.5% | 16th |
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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