| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +6.6% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.2 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.9M | $79.8M | $29.8M | $15.3M | $305K | 1.29% | 2.75% | 0.30% | 4,753 |
| Q4 2025 | $91.7M | $77.2M | $30.0M | $15.0M | $1.4M | 1.48% | 2.68% | 0.20% | 4,767 |
| Q3 2025 | $89.3M | $75.0M | $30.3M | $14.7M | $1.1M | 1.57% | 2.71% | 0.22% | 4,771 |
| Q2 2025 | $88.7M | $74.9M | $30.1M | $14.2M | $551K | 1.24% | 2.67% | 0.17% | 4,839 |
| Q1 2025 | $88.3M | $74.9M | $30.5M | $13.9M | $256K | 1.16% | 2.63% | 0.16% | 4,846 |
| Q4 2024 | $85.4M | $72.2M | $31.3M | $13.7M | $928K | 1.09% | 2.49% | 0.36% | 4,931 |
| Q3 2024 | $84.5M | $71.5M | $31.8M | $13.4M | $667K | 1.05% | 2.48% | 0.08% | 4,411 |
| Q2 2024 | $83.7M | $70.8M | $32.7M | $13.2M | $393K | 0.94% | 2.41% | 0.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,986 |
Loan mix (Q1 2026): real estate $6.4M · commercial $0 · consumer $21.8M · securities $56.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 81.5% | 15th |
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.