| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.2 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 1.22% | 0.60% | +0.6 pts |
| ROE | 11.9% | 4.1% | +7.8 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 | $53.7M | $47.3M | $32.2M | $5.5M | $164K | 1.22% | 6.04% | 1.06% | 6,843 |
| Q4 2025 | $51.5M | $45.1M | $33.0M | $5.3M | $806K | 1.56% | 7.16% | 0.82% | 6,836 |
| Q3 2025 | $51.4M | $45.4M | $33.2M | $5.2M | $612K | 1.59% | 6.79% | 0.44% | 6,904 |
| Q2 2025 | $53.4M | $47.6M | $33.1M | $5.0M | $426K | 1.59% | 6.74% | 0.34% | 6,882 |
| Q1 2025 | $53.2M | $47.5M | $32.8M | $4.8M | $245K | 1.85% | 6.27% | 0.67% | 6,878 |
| Q4 2024 | $52.3M | $44.6M | $33.3M | $4.6M | $327K | 0.63% | 5.23% | 0.53% | 6,868 |
| Q3 2024 | $52.0M | $45.7M | $32.1M | $4.5M | $318K | 0.82% | 5.14% | 0.36% | 6,959 |
| Q2 2024 | $52.8M | $47.5M | $30.5M | $4.4M | $148K | 0.56% | 4.66% | 0.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,963 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $26.9M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 81.5% | 22th |
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.