| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +3.2% | -2.4% | +5.6 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 8.9% | 4.1% | +4.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.4M | $31.2M | $18.3M | $4.2M | $92K | 1.04% | 3.22% | 0.08% | 1,592 |
| Q4 2025 | $35.0M | $30.8M | $18.5M | $4.1M | $338K | 0.97% | 3.16% | 0.29% | 1,594 |
| Q3 2025 | $32.8M | $28.8M | $18.4M | $4.0M | $161K | 0.66% | 3.28% | 0.00% | 1,607 |
| Q2 2025 | $32.6M | $28.6M | $17.7M | $4.0M | $58K | 0.35% | 3.17% | 0.02% | 1,600 |
| Q1 2025 | $33.5M | $29.5M | $17.7M | $3.9M | $36K | 0.43% | 2.91% | 0.11% | 1,596 |
| Q4 2024 | $32.5M | $28.5M | $18.7M | $3.9M | $30K | 0.09% | 2.68% | 0.16% | 1,602 |
| Q3 2024 | $31.7M | $27.7M | $19.3M | $3.9M | $5K | 0.02% | 2.66% | 0.95% | 1,622 |
| Q2 2024 | $32.0M | $28.1M | $19.2M | $3.9M | $34K | 0.21% | 2.50% | 1.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,639 |
Loan mix (Q1 2026): real estate $12.8M · commercial $0 · consumer $5.4M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 81.5% | 19th |
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.