| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.8% | +0.7% | +3.2 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +5.0 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.0M | $73.6M | $32.5M | $15.9M | $114K | 0.51% | 3.06% | 0.40% | 4,758 |
| Q4 2025 | $88.2M | $72.1M | $33.1M | $15.8M | $234K | 0.27% | 2.95% | 0.14% | 4,718 |
| Q3 2025 | $86.9M | $71.2M | $32.0M | $15.7M | $146K | 0.22% | 2.98% | 0.44% | 4,666 |
| Q2 2025 | $87.7M | $72.2M | $31.7M | $15.7M | $126K | 0.29% | 2.88% | 0.13% | 4,615 |
| Q1 2025 | $86.6M | $70.9M | $31.7M | $15.6M | $80K | 0.37% | 2.86% | 0.17% | 4,572 |
| Q4 2024 | $83.6M | $68.1M | $31.8M | $15.6M | $435K | 0.52% | 3.01% | 0.42% | 4,571 |
| Q3 2024 | $82.8M | $67.5M | $33.1M | $15.7M | $540K | 0.87% | 3.09% | 0.15% | 4,585 |
| Q2 2024 | $83.7M | $68.2M | $32.8M | $15.6M | $438K | 1.05% | 3.07% | 0.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,591 |
Loan mix (Q1 2026): real estate $8.5M · commercial $498K · consumer $20.8M · securities $38.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.