| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 23.5% | 4.1% | +19.4 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 | $59.2M | $54.3M | $49.1M | $5.0M | $291K | 1.96% | 4.26% | 0.78% | 5,399 |
| Q4 2025 | $59.2M | $54.5M | $50.5M | $4.7M | $618K | 1.04% | 4.03% | 0.85% | 5,437 |
| Q3 2025 | $58.5M | $54.1M | $51.0M | $4.6M | $544K | 1.24% | 3.94% | 0.62% | 5,441 |
| Q2 2025 | $59.1M | $54.6M | $50.4M | $4.6M | $535K | 1.81% | 3.73% | 0.36% | 5,407 |
| Q1 2025 | $56.6M | $52.0M | $49.7M | $4.6M | $561K | 3.96% | 3.76% | 0.34% | 5,310 |
| Q4 2024 | $57.2M | $53.3M | $49.9M | $4.1M | $177K | 0.31% | 3.88% | 0.28% | 5,255 |
| Q3 2024 | $55.7M | $51.9M | $50.6M | $4.1M | $173K | 0.41% | 3.96% | 0.37% | 5,322 |
| Q2 2024 | $56.2M | $52.1M | $53.5M | $4.0M | $86K | 0.31% | 3.89% | 0.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 23.5% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,325 |
Loan mix (Q1 2026): real estate $30.4M · commercial $0 · consumer $17.0M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 81.5% | 24th |
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.