| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -0.7% | -2.4% | +1.7 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.1M | $7.2M | $2.9M | $869K | $16K | 0.81% | 2.17% | 0.00% | 923 |
| Q4 2025 | $7.8M | $7.0M | $3.1M | $853K | $16K | 0.20% | 2.11% | 0.00% | 921 |
| Q3 2025 | $8.1M | $7.2M | $3.1M | $897K | $60K | 0.98% | 2.33% | 0.00% | 923 |
| Q2 2025 | $7.7M | $6.9M | $2.9M | $880K | $43K | 1.11% | 2.48% | 2.31% | 930 |
| Q1 2025 | $7.6M | $6.8M | $2.9M | $862K | $25K | 1.31% | 2.75% | 0.04% | 933 |
| Q4 2024 | $7.4M | $6.6M | $2.8M | $837K | $14K | 0.19% | 1.93% | 0.04% | 940 |
| Q3 2024 | $7.8M | $7.0M | $2.9M | $863K | $40K | 0.69% | 2.00% | 1.28% | 945 |
| Q2 2024 | $7.7M | $6.8M | $2.8M | $859K | $36K | 0.94% | 2.32% | 0.00% | 945 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 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% |
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