| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +7.3% | -2.4% | +9.6 pts |
| ROA | 0.72% | 0.60% | +0.1 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.6M | $37.2M | $28.7M | $3.8M | $75K | 0.72% | 4.21% | 0.25% | 5,627 |
| Q4 2025 | $40.0M | $35.4M | $28.5M | $3.7M | $307K | 0.77% | 4.33% | 0.48% | 5,597 |
| Q3 2025 | $39.6M | $35.2M | $27.5M | $3.6M | $89K | 0.30% | 4.19% | 0.56% | 5,703 |
| Q2 2025 | $39.9M | $35.5M | $27.5M | $3.5M | $15K | 0.07% | 4.11% | 0.49% | 5,687 |
| Q1 2025 | $40.0M | $36.4M | $26.8M | $3.5M | $41K | 0.41% | 4.03% | 0.18% | 5,654 |
| Q4 2024 | $39.7M | $35.8M | $27.1M | $3.4M | $185K | 0.47% | 3.85% | 0.28% | 5,643 |
| Q3 2024 | $41.0M | $37.3M | $27.0M | $3.3M | $107K | 0.35% | 3.67% | 0.34% | 5,818 |
| Q2 2024 | $39.8M | $36.1M | $26.7M | $3.3M | $45K | 0.23% | 3.67% | 0.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,887 |
Loan mix (Q1 2026): real estate $8.0M · commercial $0 · consumer $19.1M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th |
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.