| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -0.9% | -2.4% | +1.4 pts |
| ROA | 2.00% | 0.60% | +1.4 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.4M | $2.2M | $2.7M | $2.1M | $22K | 2.00% | 4.97% | 1.82% | 810 |
| Q4 2025 | $4.4M | $2.1M | $2.9M | $2.1M | $79K | 1.79% | 5.18% | 5.14% | 860 |
| Q3 2025 | $4.4M | $2.2M | $3.0M | $2.1M | $59K | 1.78% | 5.23% | 5.95% | 712 |
| Q2 2025 | $4.5M | $2.2M | $2.9M | $2.0M | $21K | 0.93% | 5.06% | 5.95% | 680 |
| Q1 2025 | $4.4M | $2.1M | $2.7M | $2.0M | $5K | 0.42% | 4.94% | 5.54% | 653 |
| Q4 2024 | $4.4M | $2.4M | $2.8M | $2.0M | $-25K | -0.57% | 5.19% | 6.84% | 626 |
| Q3 2024 | $4.4M | $2.4M | $2.8M | $2.0M | $-31K | -0.94% | 5.16% | 7.51% | 617 |
| Q2 2024 | $4.4M | $2.4M | $2.8M | $2.0M | $-23K | -1.05% | 5.02% | 5.61% | 602 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $15K · commercial $0 · consumer $2.6M · securities $41K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 81.5% | 20th |
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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