| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.7 pts |
| Loan growth (YoY) | +10.6% | -2.4% | +13.0 pts |
| ROA | 1.90% | 0.60% | +1.3 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.8M | $50.4M | $41.4M | $13.2M | $304K | 1.90% | 5.34% | 1.79% | 6,501 |
| Q4 2025 | $61.5M | $48.4M | $40.8M | $12.9M | $1.2M | 1.97% | 5.52% | 2.45% | 6,438 |
| Q3 2025 | $63.0M | $50.2M | $40.3M | $12.7M | $887K | 1.88% | 5.34% | 1.88% | 6,409 |
| Q2 2025 | $62.1M | $49.7M | $38.7M | $12.4M | $574K | 1.85% | 5.31% | 2.03% | 6,388 |
| Q1 2025 | $62.6M | $50.4M | $37.4M | $12.1M | $279K | 1.79% | 5.16% | 1.82% | 6,351 |
| Q4 2024 | $59.9M | $48.0M | $36.9M | $11.8M | $1.1M | 1.83% | 5.49% | 1.91% | 6,525 |
| Q3 2024 | $57.9M | $46.2M | $37.4M | $11.6M | $856K | 1.97% | 5.65% | 1.88% | 6,339 |
| Q2 2024 | $58.1M | $46.8M | $37.7M | $11.3M | $550K | 1.89% | 5.58% | 2.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,278 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $32.3M · securities $9.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 81.5% | 16th |
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.