| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.3 pts |
| ROA | 2.23% | 0.60% | +1.6 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $11.2M | $5.5M | $2.9M | $79K | 2.23% | 3.78% | 0.09% | 1,383 |
| Q4 2025 | $12.8M | $10.0M | $5.4M | $2.9M | $276K | 2.15% | 4.05% | 0.00% | 1,385 |
| Q3 2025 | $11.3M | $8.6M | $5.1M | $2.8M | $226K | 2.65% | 4.62% | 0.00% | 1,379 |
| Q2 2025 | $13.6M | $10.9M | $5.3M | $2.7M | $161K | 2.37% | 4.01% | 0.00% | 1,362 |
| Q1 2025 | $13.4M | $10.7M | $5.4M | $2.6M | $85K | 2.55% | 3.89% | 0.00% | 1,375 |
| Q4 2024 | $12.4M | $9.8M | $5.5M | $2.6M | $385K | 3.11% | 4.41% | 0.00% | 1,383 |
| Q3 2024 | $11.2M | $8.7M | $5.7M | $2.5M | $317K | 3.78% | 5.05% | 0.00% | 1,388 |
| Q2 2024 | $12.9M | $10.6M | $5.5M | $2.4M | $205K | 3.16% | 4.61% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,348 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.4M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.7% | 81.5% | 3th |
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.