| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.6 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $67.5M | $55.8M | $30.8M | $11.6M | $221K | 1.31% | 3.93% | 0.03% | 5,918 |
| Q4 2025 | $65.7M | $54.8M | $31.9M | $11.4M | $858K | 1.31% | 4.28% | 0.14% | 5,878 |
| Q3 2025 | $65.6M | $54.1M | $33.0M | $11.2M | $664K | 1.35% | 4.22% | 0.14% | 5,834 |
| Q2 2025 | $65.8M | $54.5M | $35.0M | $11.0M | $402K | 1.22% | 4.04% | 0.10% | 5,816 |
| Q1 2025 | $65.8M | $54.9M | $29.3M | $10.8M | $232K | 1.41% | 4.02% | 0.38% | 5,694 |
| Q4 2024 | $64.7M | $54.0M | $31.0M | $10.6M | $1.0M | 1.61% | 4.22% | 0.02% | 5,631 |
| Q3 2024 | $64.1M | $53.7M | $32.2M | $10.3M | $765K | 1.59% | 4.23% | 0.00% | 5,584 |
| Q2 2024 | $65.1M | $54.9M | $33.7M | $10.1M | $564K | 1.73% | 4.16% | 0.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,526 |
Loan mix (Q1 2026): real estate $621K · commercial $0 · consumer $28.0M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 81.5% | 35th |
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.