| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | +8.7% | -2.4% | +11.0 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 6.8% | 4.1% | +2.6 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.9M | $71.5M | $31.8M | $8.8M | $148K | 0.73% | 3.06% | 0.12% | 5,042 |
| Q4 2025 | $77.2M | $68.0M | $31.8M | $8.6M | $347K | 0.45% | 2.91% | 0.34% | 5,020 |
| Q3 2025 | $78.7M | $69.6M | $31.3M | $8.6M | $315K | 0.53% | 2.77% | 0.15% | 5,028 |
| Q2 2025 | $79.0M | $69.9M | $30.5M | $8.5M | $211K | 0.54% | 2.67% | 0.25% | 5,031 |
| Q1 2025 | $77.7M | $68.9M | $29.3M | $8.4M | $90K | 0.46% | 2.55% | 0.15% | 5,021 |
| Q4 2024 | $76.4M | $67.7M | $29.0M | $8.3M | $691K | 0.90% | 2.47% | 0.09% | 5,016 |
| Q3 2024 | $74.6M | $65.9M | $29.0M | $8.2M | $556K | 0.99% | 2.46% | 0.12% | 5,011 |
| Q2 2024 | $72.2M | $63.8M | $28.3M | $8.1M | $464K | 1.29% | 2.42% | 0.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,991 |
Loan mix (Q1 2026): real estate $15.5M · commercial $0 · consumer $14.7M · securities $40.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 81.5% | 43th |
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.