| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.8M | $22.2M | $15.5M | $3.2M | $59K | 0.91% | 3.63% | 0.90% | 1,894 |
| Q4 2025 | $24.4M | $21.1M | $15.6M | $3.2M | $332K | 1.36% | 3.81% | 1.00% | 1,893 |
| Q3 2025 | $24.7M | $21.3M | $15.6M | $3.1M | $248K | 1.34% | 3.75% | 0.70% | 1,889 |
| Q2 2025 | $24.4M | $21.3M | $15.1M | $3.0M | $157K | 1.29% | 3.72% | 0.66% | 1,895 |
| Q1 2025 | $25.2M | $22.1M | $15.2M | $2.9M | $62K | 0.99% | 3.47% | 0.46% | 1,888 |
| Q4 2024 | $22.0M | $19.0M | $15.5M | $2.9M | $166K | 0.75% | 3.56% | 0.53% | 1,878 |
| Q3 2024 | $22.5M | $19.6M | $15.9M | $2.8M | $105K | 0.62% | 3.36% | 0.74% | 1,878 |
| Q2 2024 | $22.3M | $19.4M | $16.0M | $2.8M | $76K | 0.68% | 3.29% | 1.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,858 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $8.8M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 81.5% | 26th |
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.