| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +7.1% | -2.4% | +9.4 pts |
| ROA | 3.55% | 0.60% | +2.9 pts |
| ROE | 18.2% | 4.1% | +14.1 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.3M | $29.9M | $19.0M | $7.3M | $332K | 3.55% | 4.77% | 0.59% | 3,965 |
| Q4 2025 | $36.1M | $28.9M | $18.9M | $7.0M | $765K | 2.12% | 4.92% | 0.41% | 3,945 |
| Q3 2025 | $36.7M | $29.7M | $18.5M | $6.9M | $622K | 2.26% | 4.87% | 0.85% | 3,929 |
| Q2 2025 | $35.8M | $29.0M | $18.0M | $6.6M | $392K | 2.19% | 4.95% | 1.32% | 3,903 |
| Q1 2025 | $35.3M | $28.6M | $17.7M | $6.5M | $229K | 2.60% | 5.06% | 0.34% | 3,874 |
| Q4 2024 | $35.2M | $28.8M | $17.8M | $6.3M | $866K | 2.46% | 5.03% | 0.56% | 3,864 |
| Q3 2024 | $36.2M | $29.9M | $17.8M | $6.0M | $657K | 2.42% | 4.78% | 1.02% | 3,848 |
| Q2 2024 | $35.2M | $29.0M | $17.5M | $5.8M | $423K | 2.40% | 4.85% | 1.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.55% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,805 |
Loan mix (Q1 2026): real estate $1.6M · commercial $36K · consumer $15.1M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 81.5% | 18th |
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.