| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +8.4% | +0.7% | +7.8 pts |
| Loan growth (YoY) | +2.1% | -2.4% | +4.4 pts |
| ROA | 1.66% | 0.60% | +1.1 pts |
| ROE | 12.5% | 4.1% | +8.4 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.0M | $55.3M | $28.0M | $8.5M | $265K | 1.66% | 3.24% | 0.33% | 4,442 |
| Q4 2025 | $62.8M | $54.4M | $28.2M | $8.2M | $1.0M | 1.65% | 3.26% | 0.16% | 4,399 |
| Q3 2025 | $61.8M | $53.6M | $28.0M | $8.0M | $765K | 1.65% | 3.25% | 0.20% | 4,388 |
| Q2 2025 | $60.4M | $52.5M | $27.9M | $7.7M | $517K | 1.71% | 3.26% | 0.27% | 4,356 |
| Q1 2025 | $58.6M | $51.0M | $27.5M | $7.4M | $237K | 1.62% | 3.20% | 0.41% | 4,326 |
| Q4 2024 | $55.8M | $48.6M | $26.9M | $7.2M | $785K | 1.41% | 3.10% | 0.35% | 4,309 |
| Q3 2024 | $55.1M | $48.0M | $26.2M | $7.0M | $564K | 1.36% | 3.08% | 0.17% | 4,302 |
| Q2 2024 | $55.2M | $48.2M | $25.2M | $6.8M | $355K | 1.29% | 2.97% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,286 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $16.8M · securities $30.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 81.5% | 12th |
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.