| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.5 pts |
| ROA | 1.68% | 0.60% | +1.1 pts |
| ROE | 10.8% | 4.1% | +6.7 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.0M | $31.1M | $17.3M | $5.7M | $155K | 1.68% | 5.04% | 2.35% | 3,845 |
| Q4 2025 | $36.5M | $30.8M | $17.7M | $5.6M | $508K | 1.39% | 4.95% | 1.49% | 3,822 |
| Q3 2025 | $36.5M | $30.9M | $17.5M | $5.4M | $358K | 1.31% | 4.85% | 1.52% | 3,798 |
| Q2 2025 | $35.6M | $30.2M | $17.4M | $5.3M | $215K | 1.21% | 4.83% | 2.26% | 3,861 |
| Q1 2025 | $34.7M | $29.4M | $17.2M | $5.1M | $88K | 1.02% | 4.86% | 2.39% | 3,846 |
| Q4 2024 | $34.5M | $29.3M | $17.5M | $5.0M | $370K | 1.07% | 4.74% | 3.80% | 3,831 |
| Q3 2024 | $35.4M | $30.3M | $18.2M | $5.0M | $290K | 1.09% | 4.59% | 3.15% | 3,870 |
| Q2 2024 | $36.6M | $31.6M | $18.5M | $4.9M | $188K | 1.03% | 4.30% | 3.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,868 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $8.1M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31th |
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.