| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +1.3% | +8.3 pts |
| Share growth (YoY) | +9.4% | +0.7% | +8.7 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.7M | $34.8M | $14.6M | $3.7M | $67K | 0.70% | 3.15% | 0.00% | 2,241 |
| Q4 2025 | $36.3M | $32.5M | $14.8M | $3.7M | $244K | 0.67% | 3.03% | 0.00% | 2,153 |
| Q3 2025 | $36.4M | $32.7M | $15.0M | $3.6M | $228K | 0.83% | 3.23% | 0.00% | 2,232 |
| Q2 2025 | $36.1M | $32.5M | $15.8M | $3.5M | $140K | 0.78% | 3.17% | 0.00% | 2,238 |
| Q1 2025 | $35.3M | $31.8M | $15.3M | $3.4M | $67K | 0.76% | 3.21% | 0.13% | 2,275 |
| Q4 2024 | $35.7M | $32.3M | $15.3M | $3.3M | $134K | 0.38% | 2.72% | 0.11% | 2,215 |
| Q3 2024 | $32.8M | $29.4M | $14.9M | $3.2M | $183K | 0.75% | 3.50% | 0.35% | 2,212 |
| Q2 2024 | $32.4M | $29.1M | $14.8M | $3.1M | $105K | 0.65% | 3.35% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,193 |
Loan mix (Q1 2026): real estate $5.0M · commercial $276K · consumer $7.5M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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.