| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.1 pts |
| ROA | 1.81% | 0.60% | +1.2 pts |
| ROE | 14.7% | 4.1% | +10.6 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.8M | $30.5M | $14.1M | $4.3M | $158K | 1.81% | 3.76% | 0.07% | 2,109 |
| Q4 2025 | $33.5M | $29.3M | $13.6M | $4.1M | $729K | 2.17% | 4.28% | 0.15% | 2,092 |
| Q3 2025 | $33.5M | $29.5M | $13.8M | $4.0M | $559K | 2.23% | 4.32% | 0.35% | 2,064 |
| Q2 2025 | $33.5M | $29.8M | $13.9M | $3.8M | $353K | 2.11% | 4.33% | 0.31% | 2,063 |
| Q1 2025 | $33.8M | $30.2M | $14.0M | $3.6M | $163K | 1.93% | 4.24% | 0.41% | 2,078 |
| Q4 2024 | $33.0M | $29.5M | $13.6M | $3.4M | $653K | 1.98% | 4.20% | 0.18% | 2,087 |
| Q3 2024 | $32.4M | $29.1M | $13.4M | $3.3M | $481K | 1.98% | 4.19% | 0.19% | 2,073 |
| Q2 2024 | $33.8M | $30.7M | $13.6M | $3.1M | $314K | 1.85% | 3.93% | 0.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,077 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $6.9M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 81.5% | 12th |
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.