| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +7.2% | -2.4% | +9.6 pts |
| ROA | 1.95% | 0.60% | +1.3 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.8M | $17.3M | $16.8M | $5.6M | $111K | 1.95% | 3.78% | 0.21% | 1,751 |
| Q4 2025 | $22.6M | $17.2M | $16.6M | $5.5M | $319K | 1.41% | 3.54% | 0.19% | 1,744 |
| Q3 2025 | $22.6M | $17.2M | $16.3M | $5.4M | $241K | 1.42% | 3.47% | 0.18% | 1,740 |
| Q2 2025 | $23.7M | $18.4M | $16.2M | $5.3M | $145K | 1.23% | 3.29% | 0.43% | 1,721 |
| Q1 2025 | $21.8M | $16.5M | $15.7M | $5.2M | $64K | 1.18% | 3.70% | 0.43% | 1,702 |
| Q4 2024 | $21.4M | $16.2M | $15.8M | $5.1M | $207K | 0.97% | 3.44% | 0.70% | 1,690 |
| Q3 2024 | $21.8M | $16.7M | $15.6M | $5.1M | $151K | 0.92% | 3.30% | 0.29% | 1,676 |
| Q2 2024 | $22.3M | $17.3M | $15.2M | $5.0M | $99K | 0.89% | 3.25% | 0.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,669 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $12.7M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 81.5% | 6th |
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.