| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.3M | $31.6M | $12.4M | $5.1M | $102K | 1.12% | 3.88% | 0.08% | 3,092 |
| Q4 2025 | $35.7M | $31.0M | $12.5M | $5.0M | $494K | 1.39% | 3.96% | 0.30% | 3,078 |
| Q3 2025 | $35.0M | $30.4M | $12.3M | $4.8M | $372K | 1.42% | 4.03% | 0.51% | 3,091 |
| Q2 2025 | $35.3M | $30.7M | $12.7M | $4.7M | $249K | 1.41% | 3.97% | 0.55% | 3,088 |
| Q1 2025 | $34.8M | $30.5M | $12.3M | $4.6M | $128K | 1.47% | 3.99% | 0.21% | 3,063 |
| Q4 2024 | $34.7M | $30.6M | $12.4M | $4.5M | $531K | 1.53% | 3.91% | 0.18% | 3,051 |
| Q3 2024 | $34.3M | $29.8M | $12.8M | $4.3M | $393K | 1.53% | 3.87% | 0.15% | 3,036 |
| Q2 2024 | $33.7M | $29.6M | $12.8M | $4.2M | $244K | 1.45% | 3.85% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,041 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $6.9M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 81.5% | 23th |
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.