| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $9.1M | $3.9M | $1.7M | $7K | 0.25% | 4.73% | 1.89% | 1,269 |
| Q4 2025 | $10.7M | $9.0M | $4.1M | $1.7M | $5K | 0.05% | 4.58% | 2.80% | 1,276 |
| Q3 2025 | $10.9M | $9.2M | $4.2M | $1.7M | $-6K | -0.07% | 4.43% | 2.85% | 1,280 |
| Q2 2025 | $11.0M | $9.3M | $4.0M | $1.7M | $20K | 0.36% | 4.26% | 3.00% | 1,280 |
| Q1 2025 | $10.4M | $8.7M | $3.8M | $1.7M | $7K | 0.27% | 4.54% | 3.38% | 1,285 |
| Q4 2024 | $10.0M | $8.3M | $3.9M | $1.7M | $93K | 0.93% | 4.94% | 2.06% | 1,294 |
| Q3 2024 | $10.1M | $8.4M | $3.9M | $1.7M | $67K | 0.89% | 4.89% | 1.22% | 1,305 |
| Q2 2024 | $10.1M | $8.4M | $3.8M | $1.7M | $64K | 1.27% | 4.85% | 1.69% | 1,323 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.8M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 81.5% | 66th |
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.