| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.7 pts |
| ROA | 1.83% | 0.60% | +1.2 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.5M | $10.6M | $7.0M | $2.9M | $62K | 1.83% | 3.53% | 0.04% | 2,595 |
| Q4 2025 | $13.1M | $10.3M | $7.0M | $2.8M | $280K | 2.13% | 3.96% | 0.01% | 2,602 |
| Q3 2025 | $14.3M | $11.5M | $6.9M | $2.8M | $220K | 2.06% | 3.67% | 0.01% | 2,557 |
| Q2 2025 | $14.1M | $11.4M | $7.0M | $2.7M | $147K | 2.08% | 3.69% | 0.01% | 2,564 |
| Q1 2025 | $13.4M | $10.8M | $7.3M | $2.6M | $86K | 2.57% | 4.12% | 0.01% | 2,626 |
| Q4 2024 | $13.4M | $10.9M | $6.2M | $2.5M | $288K | 2.15% | 3.87% | 0.02% | 2,654 |
| Q3 2024 | $14.4M | $11.9M | $6.3M | $2.5M | $214K | 1.99% | 3.62% | 0.02% | 2,589 |
| Q2 2024 | $14.4M | $12.0M | $6.6M | $2.4M | $131K | 1.82% | 3.50% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,612 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 81.5% | 4th |
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.