| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | +3.6% | -2.4% | +6.0 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.0M | $51.7M | $38.7M | $6.9M | $5K | 0.03% | 2.72% | 0.02% | 2,587 |
| Q4 2025 | $59.9M | $52.6M | $39.3M | $6.9M | $250K | 0.42% | 2.69% | 0.01% | 2,569 |
| Q3 2025 | $55.6M | $48.3M | $38.9M | $6.9M | $201K | 0.48% | 2.89% | 0.04% | 2,545 |
| Q2 2025 | $57.4M | $50.2M | $37.8M | $6.8M | $137K | 0.48% | 2.79% | 0.00% | 2,535 |
| Q1 2025 | $55.4M | $48.2M | $37.3M | $6.7M | $63K | 0.45% | 2.86% | 0.00% | 2,495 |
| Q4 2024 | $54.0M | $46.9M | $36.2M | $6.7M | $218K | 0.40% | 2.88% | 0.03% | 2,460 |
| Q3 2024 | $53.9M | $46.7M | $35.8M | $6.6M | $213K | 0.53% | 2.88% | 0.00% | 2,409 |
| Q2 2024 | $55.4M | $48.3M | $34.7M | $6.6M | $141K | 0.51% | 2.72% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,417 |
Loan mix (Q1 2026): real estate $23.5M · commercial $0 · consumer $12.3M · securities $15.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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.