| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.5 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.1M | $50.7M | $23.9M | $8.2M | $98K | 0.66% | 3.43% | 0.87% | 4,530 |
| Q4 2025 | $58.6M | $50.3M | $24.8M | $8.1M | $313K | 0.53% | 3.13% | 0.84% | 4,495 |
| Q3 2025 | $56.7M | $48.4M | $25.0M | $8.1M | $304K | 0.71% | 3.43% | 0.71% | 4,529 |
| Q2 2025 | $56.7M | $48.5M | $24.6M | $8.1M | $216K | 0.76% | 3.38% | 0.96% | 4,532 |
| Q1 2025 | $58.2M | $50.1M | $24.4M | $7.9M | $74K | 0.51% | 3.19% | 0.41% | 4,528 |
| Q4 2024 | $56.8M | $48.7M | $24.0M | $7.8M | $232K | 0.41% | 2.83% | 1.58% | 4,507 |
| Q3 2024 | $57.1M | $49.1M | $24.0M | $7.7M | $119K | 0.28% | 2.70% | 1.14% | 4,520 |
| Q2 2024 | $56.1M | $48.3M | $23.9M | $7.7M | $47K | 0.17% | 2.61% | 1.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,484 |
Loan mix (Q1 2026): real estate $11.7M · commercial $0 · consumer $11.4M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 81.5% | 50th |
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.