| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.6 pts |
| Loan growth (YoY) | -3.3% | -2.4% | -0.9 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 8.3% | 4.1% | +4.2 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.5M | $31.1M | $8.8M | $5.5M | $115K | 1.23% | 4.40% | 0.39% | 3,065 |
| Q4 2025 | $36.9M | $30.9M | $9.1M | $5.4M | $255K | 0.69% | 4.34% | 1.41% | 3,073 |
| Q3 2025 | $36.4M | $30.3M | $9.3M | $5.3M | $193K | 0.71% | 4.47% | 1.41% | 3,077 |
| Q2 2025 | $35.8M | $29.8M | $9.4M | $5.3M | $127K | 0.71% | 4.47% | 0.90% | 3,072 |
| Q1 2025 | $35.9M | $30.1M | $9.1M | $5.2M | $58K | 0.65% | 4.60% | 0.95% | 3,103 |
| Q4 2024 | $34.8M | $28.9M | $9.6M | $5.2M | $186K | 0.53% | 4.11% | 1.44% | 3,118 |
| Q3 2024 | $34.9M | $29.1M | $9.5M | $5.1M | $134K | 0.51% | 4.14% | 0.75% | 3,133 |
| Q2 2024 | $35.7M | $29.8M | $9.6M | $5.1M | $107K | 0.60% | 3.82% | 0.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,122 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.0M · securities $25.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 81.5% | 20th |
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.