| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.0 pts |
| ROA | 1.69% | 0.60% | +1.1 pts |
| ROE | 8.6% | 4.1% | +4.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.8M | $55.4M | $40.7M | $13.8M | $295K | 1.69% | 3.09% | 0.71% | 2,726 |
| Q4 2025 | $71.0M | $57.7M | $39.8M | $13.5M | $1.2M | 1.69% | 3.11% | 0.98% | 2,707 |
| Q3 2025 | $69.4M | $55.8M | $39.8M | $13.2M | $913K | 1.75% | 3.19% | 0.92% | 2,684 |
| Q2 2025 | $69.3M | $55.9M | $39.9M | $12.9M | $596K | 1.72% | 3.16% | 0.87% | 2,666 |
| Q1 2025 | $68.6M | $55.1M | $40.0M | $12.6M | $316K | 1.84% | 3.25% | 0.89% | 2,642 |
| Q4 2024 | $67.9M | $54.8M | $39.2M | $12.3M | $1.2M | 1.77% | 3.25% | 0.84% | 2,619 |
| Q3 2024 | $65.5M | $52.9M | $39.6M | $12.0M | $914K | 1.86% | 3.35% | 0.64% | 2,596 |
| Q2 2024 | $63.5M | $51.2M | $39.4M | $11.7M | $587K | 1.85% | 3.39% | 0.95% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,586 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $27.7M · securities $10.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 81.5% | 5th |
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.