| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.6% | +0.7% | +2.0 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.2 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.1M | $82.2M | $54.0M | $10.0M | $132K | 0.58% | 3.15% | 0.12% | 4,624 |
| Q4 2025 | $90.8M | $81.0M | $52.2M | $9.9M | $423K | 0.47% | 3.17% | 0.21% | 4,609 |
| Q3 2025 | $89.9M | $80.2M | $53.6M | $9.8M | $331K | 0.49% | 3.16% | 0.19% | 4,664 |
| Q2 2025 | $87.8M | $78.5M | $54.4M | $9.7M | $203K | 0.46% | 3.16% | 0.15% | 4,663 |
| Q1 2025 | $89.3M | $80.1M | $53.6M | $9.5M | $90K | 0.40% | 3.01% | 0.00% | 4,681 |
| Q4 2024 | $90.5M | $81.6M | $54.3M | $9.5M | $208K | 0.23% | 2.92% | 0.06% | 4,695 |
| Q3 2024 | $91.3M | $82.2M | $53.6M | $9.4M | $151K | 0.22% | 2.88% | 0.09% | 4,835 |
| Q2 2024 | $89.6M | $80.9M | $54.0M | $9.3M | $74K | 0.16% | 2.89% | 0.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,404 |
Loan mix (Q1 2026): real estate $31.4M · commercial $0 · consumer $17.8M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 81.5% | 53th |
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.