| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.6 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 0.61% | 0.60% | +0.0 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.0M | $8.3M | $2.7M | $780K | $14K | 0.61% | 2.78% | 0.78% | 826 |
| Q4 2025 | $8.8M | $8.0M | $3.0M | $766K | $62K | 0.71% | 3.02% | 0.04% | 829 |
| Q3 2025 | $8.5M | $7.7M | $3.1M | $748K | $44K | 0.70% | 3.09% | 0.04% | 851 |
| Q2 2025 | $8.6M | $7.9M | $3.0M | $736K | $32K | 0.74% | 3.01% | 0.04% | 828 |
| Q1 2025 | $8.4M | $7.7M | $2.8M | $717K | $13K | 0.62% | 3.06% | 0.91% | 837 |
| Q4 2024 | $8.4M | $7.7M | $2.7M | $704K | $58K | 0.69% | 2.99% | 0.55% | 836 |
| Q3 2024 | $8.5M | $7.8M | $2.7M | $689K | $43K | 0.67% | 2.95% | 0.02% | 861 |
| Q2 2024 | $8.5M | $7.8M | $2.8M | $678K | $32K | 0.75% | 2.88% | 0.03% | 838 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.60% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3K · commercial $0 · consumer $2.4M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 81.5% | 42th |
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% |
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