| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.9 pts |
| ROA | 1.51% | 0.60% | +0.9 pts |
| ROE | 15.8% | 4.1% | +11.6 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.2M | $44.4M | $28.7M | $4.7M | $186K | 1.51% | 3.33% | 0.28% | 3,034 |
| Q4 2025 | $48.4M | $43.8M | $28.7M | $4.5M | $592K | 1.22% | 3.34% | 0.95% | 3,015 |
| Q3 2025 | $49.1M | $44.6M | $28.8M | $4.5M | $456K | 1.24% | 3.17% | 0.94% | 3,039 |
| Q2 2025 | $48.5M | $44.2M | $28.1M | $4.3M | $300K | 1.23% | 3.18% | 0.24% | 3,023 |
| Q1 2025 | $47.0M | $42.9M | $27.8M | $4.1M | $87K | 0.74% | 2.91% | 0.65% | 3,081 |
| Q4 2024 | $44.3M | $40.2M | $27.7M | $4.0M | $278K | 0.63% | 3.01% | 0.50% | 3,061 |
| Q3 2024 | $44.1M | $40.2M | $27.7M | $4.0M | $260K | 0.78% | 2.86% | 0.75% | 3,071 |
| Q2 2024 | $44.5M | $40.6M | $27.3M | $3.8M | $113K | 0.51% | 2.67% | 1.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,123 |
Loan mix (Q1 2026): real estate $11.7M · commercial $0 · consumer $7.9M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 81.5% | 12th |
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.