| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.3 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.1 pts |
| ROA | 1.45% | 0.60% | +0.8 pts |
| ROE | 10.6% | 4.1% | +6.5 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.0M | $36.7M | $28.9M | $5.9M | $156K | 1.45% | 3.89% | 0.42% | 3,208 |
| Q4 2025 | $42.0M | $35.1M | $29.3M | $5.7M | $581K | 1.38% | 3.93% | 0.11% | 3,170 |
| Q3 2025 | $40.9M | $34.3M | $29.3M | $5.6M | $441K | 1.44% | 3.95% | 0.29% | 3,141 |
| Q2 2025 | $40.6M | $34.0M | $29.4M | $5.4M | $254K | 1.25% | 3.93% | 0.16% | 3,107 |
| Q1 2025 | $39.5M | $33.4M | $29.6M | $5.2M | $43K | 0.44% | 3.99% | 0.47% | 3,069 |
| Q4 2024 | $37.4M | $32.2M | $30.3M | $5.2M | $267K | 0.71% | 3.99% | 0.33% | 3,046 |
| Q3 2024 | $36.5M | $31.3M | $31.0M | $5.1M | $219K | 0.80% | 4.00% | 0.31% | 3,027 |
| Q2 2024 | $39.0M | $33.9M | $31.2M | $5.1M | $241K | 1.24% | 3.69% | 0.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,029 |
Loan mix (Q1 2026): real estate $13.4M · commercial $0 · consumer $15.4M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 81.5% | 17th |
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.