| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +6.6% | +0.7% | +5.9 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.8 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $65.0M | $49.9M | $37.0M | $15.0M | $194K | 1.19% | 2.84% | 1.75% | 3,312 |
| Q4 2025 | $63.3M | $48.4M | $37.6M | $14.8M | $714K | 1.13% | 2.70% | 2.50% | 3,312 |
| Q3 2025 | $63.1M | $48.4M | $37.7M | $14.6M | $487K | 1.03% | 2.60% | 1.81% | 3,319 |
| Q2 2025 | $61.9M | $47.4M | $37.7M | $14.4M | $290K | 0.94% | 2.54% | 1.65% | 3,312 |
| Q1 2025 | $61.1M | $46.8M | $36.1M | $14.2M | $107K | 0.70% | 2.39% | 1.34% | 3,307 |
| Q4 2024 | $58.2M | $44.0M | $36.9M | $14.1M | $618K | 1.06% | 2.62% | 0.75% | 3,308 |
| Q3 2024 | $56.6M | $42.6M | $37.9M | $13.9M | $446K | 1.05% | 2.67% | 1.81% | 3,343 |
| Q2 2024 | $55.7M | $41.8M | $38.8M | $13.7M | $288K | 1.03% | 2.68% | 0.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,349 |
Loan mix (Q1 2026): real estate $21.5M · commercial $0 · consumer $14.9M · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 21th |
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.