| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +1.3% | +8.2 pts |
| Share growth (YoY) | +9.2% | +0.7% | +8.6 pts |
| Loan growth (YoY) | +6.9% | -2.4% | +9.3 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 12.1% | 4.1% | +8.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.7M | $55.9M | $36.1M | $6.5M | $197K | 1.26% | 3.86% | 0.00% | 3,339 |
| Q4 2025 | $61.1M | $54.6M | $36.1M | $6.3M | $605K | 0.99% | 3.67% | 0.00% | 3,379 |
| Q3 2025 | $58.4M | $52.0M | $35.0M | $6.2M | $465K | 1.06% | 3.75% | 0.06% | 3,393 |
| Q2 2025 | $55.3M | $49.0M | $34.1M | $6.1M | $336K | 1.21% | 3.94% | 0.05% | 3,418 |
| Q1 2025 | $57.2M | $51.2M | $33.8M | $5.9M | $159K | 1.11% | 3.62% | 0.81% | 3,403 |
| Q4 2024 | $53.9M | $48.0M | $35.5M | $5.8M | $507K | 0.94% | 3.79% | 0.81% | 3,420 |
| Q3 2024 | $53.6M | $47.8M | $35.8M | $5.7M | $402K | 1.00% | 3.77% | 0.81% | 3,437 |
| Q2 2024 | $53.5M | $47.9M | $35.9M | $5.5M | $236K | 0.88% | 3.63% | 0.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,472 |
Loan mix (Q1 2026): real estate $25.8M · commercial $0 · consumer $6.8M · securities $18.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 81.5% | 28th |
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.