| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | +9.7% | -2.4% | +12.0 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $88.0M | $79.0M | $38.6M | $8.2M | $113K | 0.51% | 3.26% | 0.00% | 4,268 |
| Q4 2025 | $86.5M | $77.6M | $38.2M | $8.0M | $384K | 0.44% | 3.04% | 0.48% | 4,272 |
| Q3 2025 | $86.6M | $77.9M | $36.8M | $8.0M | $242K | 0.37% | 2.97% | 0.10% | 4,265 |
| Q2 2025 | $89.2M | $80.2M | $35.5M | $7.9M | $150K | 0.34% | 2.83% | 0.57% | 4,266 |
| Q1 2025 | $87.3M | $78.6M | $35.2M | $7.8M | $67K | 0.31% | 2.82% | 1.14% | 4,337 |
| Q4 2024 | $85.1M | $76.6M | $33.9M | $7.7M | $314K | 0.37% | 2.76% | 0.08% | 4,196 |
| Q3 2024 | $84.4M | $76.0M | $34.3M | $7.7M | $210K | 0.33% | 2.73% | 0.88% | 4,206 |
| Q2 2024 | $87.2M | $78.5M | $34.9M | $7.6M | $132K | 0.30% | 2.54% | 1.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,236 |
Loan mix (Q1 2026): real estate $28.6M · commercial $0 · consumer $9.4M · securities $38.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 81.5% | 61th |
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.