| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +1.3% | +8.2 pts |
| Share growth (YoY) | +9.0% | +0.7% | +8.4 pts |
| Loan growth (YoY) | +13.3% | -2.4% | +15.7 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 12.3% | 4.1% | +8.2 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 | $93.1M | $83.7M | $69.6M | $9.1M | $280K | 1.20% | 3.29% | 0.58% | 11,114 |
| Q4 2025 | $91.3M | $82.3M | $67.4M | $8.8M | $968K | 1.06% | 3.35% | 0.55% | 11,086 |
| Q3 2025 | $87.2M | $78.6M | $67.5M | $8.5M | $798K | 1.22% | 3.47% | 0.49% | 11,097 |
| Q2 2025 | $85.8M | $77.4M | $65.0M | $8.2M | $367K | 0.86% | 3.42% | 0.27% | 11,067 |
| Q1 2025 | $85.0M | $76.8M | $61.4M | $8.1M | $265K | 1.25% | 3.28% | 0.29% | 11,017 |
| Q4 2024 | $83.6M | $75.5M | $61.3M | $8.0M | $969K | 1.16% | 3.35% | 0.31% | 11,015 |
| Q3 2024 | $83.2M | $75.4M | $62.5M | $7.7M | $704K | 1.13% | 3.36% | 0.47% | 11,091 |
| Q2 2024 | $79.9M | $72.4M | $60.1M | $7.5M | $455K | 1.14% | 3.44% | 0.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 11,010 |
Loan mix (Q1 2026): real estate $16.4M · commercial $0 · consumer $46.5M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 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.