| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.9 pts |
| ROA | 1.57% | 0.60% | +1.0 pts |
| ROE | 12.0% | 4.1% | +7.9 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.1M | $69.5M | $55.1M | $10.4M | $313K | 1.57% | 3.24% | 0.78% | 1,791 |
| Q4 2025 | $80.6M | $70.3M | $54.3M | $10.1M | $1.2M | 1.51% | 3.06% | 0.87% | 1,798 |
| Q3 2025 | $81.2M | $71.2M | $55.1M | $9.8M | $870K | 1.43% | 2.95% | 0.68% | 1,811 |
| Q2 2025 | $81.1M | $71.5M | $51.6M | $9.5M | $560K | 1.38% | 2.89% | 0.35% | 1,812 |
| Q1 2025 | $77.9M | $68.6M | $54.3M | $9.2M | $269K | 1.38% | 2.96% | 0.60% | 1,789 |
| Q4 2024 | $75.8M | $66.8M | $51.7M | $8.9M | $1.0M | 1.38% | 2.70% | 0.23% | 1,786 |
| Q3 2024 | $72.2M | $63.4M | $50.9M | $8.6M | $735K | 1.36% | 2.72% | 0.60% | 1,784 |
| Q2 2024 | $68.0M | $59.5M | $50.4M | $8.3M | $480K | 1.41% | 2.79% | 0.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,760 |
Loan mix (Q1 2026): real estate $19.8M · commercial $0 · consumer $980K · securities $16.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 81.5% | 12th |
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.