| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +1.3% | +12.1 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.1 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.8M | $18.0M | $12.9M | $2.7M | $22K | 0.42% | 5.53% | 0.00% | 2,323 |
| Q4 2025 | $19.8M | $16.7M | $12.9M | $2.7M | $196K | 0.99% | 5.25% | 0.38% | 2,290 |
| Q3 2025 | $18.3M | $17.0M | $12.4M | $2.6M | $145K | 1.05% | 5.68% | 0.12% | 2,272 |
| Q2 2025 | $18.2M | $17.0M | $11.5M | $2.6M | $122K | 1.35% | 5.65% | 0.16% | 2,247 |
| Q1 2025 | $18.3M | $17.3M | $12.2M | $2.6M | $81K | 1.76% | 5.66% | 0.12% | 2,242 |
| Q4 2024 | $18.1M | $16.9M | $13.0M | $2.5M | $377K | 2.09% | 5.99% | 0.00% | 2,241 |
| Q3 2024 | $18.4M | $17.4M | $13.1M | $2.4M | $300K | 2.17% | 5.85% | 0.11% | 2,235 |
| Q2 2024 | $18.5M | $17.3M | $13.4M | $2.3M | $212K | 2.29% | 5.89% | 0.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,226 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12.8M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 81.5% | 71th |
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.