| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +8.1% | +0.7% | +7.5 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.2 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.2M | $7.0M | $6.3M | $2.2M | $37K | 1.61% | 4.14% | 1.04% | 630 |
| Q4 2025 | $9.1M | $7.0M | $6.2M | $2.2M | $124K | 1.36% | 3.96% | 0.93% | 632 |
| Q3 2025 | $8.7M | $6.5M | $5.8M | $2.2M | $100K | 1.53% | 4.26% | 1.03% | 630 |
| Q2 2025 | $8.6M | $6.5M | $6.0M | $2.1M | $66K | 1.53% | 4.31% | 1.06% | 623 |
| Q1 2025 | $8.5M | $6.5M | $6.1M | $2.1M | $21K | 1.00% | 4.33% | 1.49% | 620 |
| Q4 2024 | $8.6M | $6.5M | $5.9M | $2.1M | $107K | 1.25% | 3.83% | 0.87% | 625 |
| Q3 2024 | $8.8M | $6.8M | $6.0M | $2.0M | $81K | 1.22% | 3.73% | 0.74% | 633 |
| Q2 2024 | $8.8M | $6.8M | $6.0M | $2.0M | $40K | 0.92% | 3.59% | 0.50% | 622 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $2.2M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 81.5% | 15th |
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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