| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.2 pts |
| ROA | 1.57% | 0.60% | +1.0 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.3M | $7.6M | $5.7M | $2.5M | $40K | 1.57% | 4.22% | 0.00% | 735 |
| Q4 2025 | $10.1M | $7.5M | $5.9M | $2.5M | $122K | 1.20% | 3.79% | 0.00% | 730 |
| Q3 2025 | $9.7M | $7.1M | $6.0M | $2.6M | $141K | 1.94% | 4.51% | 0.97% | 728 |
| Q2 2025 | $9.7M | $7.2M | $5.9M | $2.5M | $88K | 1.81% | 4.46% | 1.23% | 733 |
| Q1 2025 | $9.7M | $7.4M | $5.9M | $2.5M | $40K | 1.65% | 4.43% | 1.07% | 730 |
| Q4 2024 | $9.8M | $7.3M | $5.8M | $2.5M | $215K | 2.21% | 4.15% | 1.31% | 732 |
| Q3 2024 | $9.7M | $7.3M | $5.8M | $2.5M | $208K | 2.85% | 4.73% | 1.21% | 739 |
| Q2 2024 | $9.7M | $7.3M | $5.7M | $2.5M | $136K | 2.81% | 4.78% | 1.33% | 738 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.4M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 81.5% | 16th |
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.