| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.2% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.1 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $10.2M | $7.3M | $1.3M | $22K | 0.75% | 5.41% | 0.39% | 2,293 |
| Q4 2025 | $11.2M | $9.8M | $7.4M | $1.3M | $64K | 0.57% | 5.63% | 0.18% | 2,303 |
| Q3 2025 | $11.2M | $9.7M | $7.6M | $1.3M | $69K | 0.82% | 5.61% | 0.12% | 2,320 |
| Q2 2025 | $10.9M | $9.5M | $7.6M | $1.3M | $36K | 0.66% | 5.65% | 0.33% | 2,344 |
| Q1 2025 | $10.9M | $9.6M | $7.2M | $1.3M | $30K | 1.09% | 5.61% | 0.19% | 2,332 |
| Q4 2024 | $10.4M | $9.0M | $7.2M | $1.2M | $105K | 1.02% | 6.16% | 0.91% | 2,328 |
| Q3 2024 | $10.5M | $9.3M | $7.3M | $1.2M | $104K | 1.31% | 6.08% | 1.37% | 2,359 |
| Q2 2024 | $11.2M | $9.9M | $7.7M | $1.2M | $90K | 1.61% | 5.50% | 0.62% | 2,378 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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% |
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