| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.2 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.5M | $70.3M | $48.2M | $8.4M | $277K | 1.39% | 3.42% | 0.72% | 3,660 |
| Q4 2025 | $75.4M | $66.8M | $47.7M | $8.2M | $942K | 1.25% | 3.46% | 0.53% | 3,631 |
| Q3 2025 | $74.6M | $66.3M | $47.9M | $7.9M | $690K | 1.23% | 3.42% | 0.47% | 3,633 |
| Q2 2025 | $74.6M | $66.1M | $48.2M | $7.7M | $482K | 1.29% | 3.29% | 0.32% | 3,622 |
| Q1 2025 | $75.9M | $67.9M | $46.9M | $7.3M | $112K | 0.59% | 3.03% | 0.36% | 3,572 |
| Q4 2024 | $73.1M | $65.5M | $45.6M | $7.2M | $564K | 0.77% | 2.75% | 0.35% | 3,460 |
| Q3 2024 | $66.1M | $58.3M | $44.9M | $7.1M | $462K | 0.93% | 2.98% | 0.65% | 3,368 |
| Q2 2024 | $64.1M | $56.6M | $44.2M | $6.9M | $275K | 0.86% | 2.99% | 0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,268 |
Loan mix (Q1 2026): real estate $6.0M · commercial $161K · consumer $38.0M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 81.5% | 11th |
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.