| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.7 pts |
| ROA | 1.06% | 0.69% | +0.4 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.7M | $93.7M | $54.4M | $11.4M | $272K | 1.06% | 4.34% | 0.21% | 5,869 |
| Q4 2025 | $100.5M | $90.1M | $54.3M | $11.1M | $1.2M | 1.16% | 4.38% | 0.13% | 5,835 |
| Q3 2025 | $96.8M | $88.2M | $54.6M | $10.8M | $886K | 1.22% | 4.52% | 0.07% | 5,806 |
| Q2 2025 | $97.0M | $88.8M | $53.0M | $10.5M | $537K | 1.11% | 4.41% | 0.14% | 5,801 |
| Q1 2025 | $96.0M | $85.4M | $50.5M | $10.2M | $248K | 1.04% | 4.31% | 0.06% | 5,732 |
| Q4 2024 | $94.8M | $84.5M | $46.8M | $9.9M | $1.1M | 1.12% | 4.16% | 0.02% | 5,623 |
| Q3 2024 | $91.9M | $81.7M | $45.9M | $9.7M | $893K | 1.30% | 4.24% | 0.41% | 5,592 |
| Q2 2024 | $91.6M | $81.5M | $45.0M | $9.4M | $565K | 1.23% | 4.14% | 0.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,611 |
Loan mix (Q1 2026): real estate $19.5M · commercial $5.8M · consumer $28.8M · securities $32.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 78.7% | 38th |
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.