| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.5M | $83.8M | $67.4M | $9.6M | $111K | 0.47% | 3.28% | 0.10% | 5,689 |
| Q4 2025 | $92.4M | $82.8M | $68.2M | $9.3M | $313K | 0.34% | 3.27% | 0.10% | 5,668 |
| Q3 2025 | $92.4M | $82.7M | $67.9M | $9.2M | $202K | 0.29% | 3.22% | 0.14% | 5,769 |
| Q2 2025 | $92.3M | $82.1M | $66.8M | $9.1M | $91K | 0.20% | 3.14% | 0.13% | 5,734 |
| Q1 2025 | $93.0M | $83.2M | $64.7M | $9.0M | $-6K | -0.02% | 3.05% | 0.04% | 5,654 |
| Q4 2024 | $90.9M | $81.6M | $64.5M | $9.0M | $456K | 0.50% | 3.20% | 0.28% | 5,603 |
| Q3 2024 | $92.3M | $83.1M | $63.9M | $8.9M | $290K | 0.42% | 3.14% | 0.23% | 5,694 |
| Q2 2024 | $90.7M | $81.5M | $65.3M | $8.7M | $172K | 0.38% | 3.15% | 0.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,703 |
Loan mix (Q1 2026): real estate $18.8M · commercial $1K · consumer $46.2M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 81.5% | 62th |
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.