| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +7.9% | -2.4% | +10.3 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.8M | $36.4M | $24.2M | $3.3M | $63K | 0.63% | 3.56% | 0.21% | 239,300 |
| Q4 2025 | $37.6M | $34.2M | $23.7M | $3.2M | $296K | 0.79% | 3.71% | 0.00% | 2,371 |
| Q3 2025 | $36.5M | $33.2M | $23.5M | $3.2M | $225K | 0.82% | 3.84% | 0.17% | 2,386 |
| Q2 2025 | $37.6M | $34.5M | $22.9M | $3.1M | $129K | 0.68% | 3.70% | 0.06% | 2,384 |
| Q1 2025 | $37.5M | $34.4M | $22.5M | $3.0M | $66K | 0.71% | 3.60% | 0.00% | 2,373 |
| Q4 2024 | $36.3M | $33.3M | $22.7M | $3.0M | $220K | 0.61% | 3.58% | 0.00% | 2,402 |
| Q3 2024 | $34.9M | $31.9M | $23.2M | $2.9M | $145K | 0.55% | 3.65% | 0.00% | 2,419 |
| Q2 2024 | $37.1M | $33.5M | $23.2M | $2.8M | $77K | 0.42% | 3.34% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,434 |
Loan mix (Q1 2026): real estate $15.5M · commercial $237K · consumer $7.8M · securities $11.3M
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.