| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.3M | $31.2M | $27.0M | $3.8M | $42K | 0.48% | 4.14% | 0.11% | 2,889 |
| Q4 2025 | $33.8M | $29.9M | $27.5M | $3.7M | $312K | 0.92% | 4.36% | 0.17% | 2,892 |
| Q3 2025 | $33.7M | $29.7M | $27.4M | $3.6M | $231K | 0.91% | 4.34% | 0.19% | 2,921 |
| Q2 2025 | $33.7M | $29.7M | $26.7M | $3.6M | $146K | 0.87% | 4.27% | 0.07% | 2,911 |
| Q1 2025 | $34.3M | $30.4M | $26.5M | $3.5M | $76K | 0.89% | 4.09% | 0.09% | 2,897 |
| Q4 2024 | $33.4M | $29.7M | $25.6M | $3.4M | $281K | 0.84% | 3.79% | 0.02% | 2,884 |
| Q3 2024 | $33.4M | $29.8M | $25.0M | $3.3M | $157K | 0.63% | 3.67% | 0.00% | 2,897 |
| Q2 2024 | $34.4M | $30.5M | $23.6M | $3.2M | $93K | 0.54% | 3.47% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,866 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $17.9M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 81.5% | 64th |
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.