| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.7 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 16.5% | 4.1% | +12.4 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.9M | $40.7M | $26.0M | $4.6M | $191K | 1.67% | 4.60% | 0.77% | 2,921 |
| Q4 2025 | $44.8M | $40.1M | $26.3M | $4.4M | $514K | 1.15% | 4.51% | 0.41% | 2,905 |
| Q3 2025 | $43.1M | $38.5M | $26.5M | $4.3M | $338K | 1.05% | 4.63% | 1.23% | 2,891 |
| Q2 2025 | $43.8M | $39.4M | $26.5M | $4.1M | $191K | 0.87% | 4.50% | 0.77% | 2,874 |
| Q1 2025 | $42.7M | $38.5M | $26.1M | $4.0M | $61K | 0.57% | 4.51% | 0.43% | 2,867 |
| Q4 2024 | $41.1M | $36.5M | $26.9M | $3.9M | $237K | 0.58% | 4.18% | 0.81% | 2,862 |
| Q3 2024 | $39.6M | $35.5M | $27.4M | $3.9M | $173K | 0.58% | 4.24% | 0.99% | 2,870 |
| Q2 2024 | $40.7M | $36.7M | $27.7M | $3.8M | $100K | 0.49% | 3.93% | 1.07% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,864 |
Loan mix (Q1 2026): real estate $7.4M · commercial $0 · consumer $17.0M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 81.5% | 27th |
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.