| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.0 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 10.2% | 4.1% | +6.1 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 | $65.4M | $57.2M | $35.6M | $7.7M | $196K | 1.20% | 3.92% | 1.01% | 6,475 |
| Q4 2025 | $64.1M | $56.2M | $36.1M | $7.5M | $476K | 0.74% | 3.82% | 1.15% | 6,475 |
| Q3 2025 | $63.5M | $55.7M | $36.1M | $7.3M | $350K | 0.74% | 3.81% | 1.10% | 6,457 |
| Q2 2025 | $61.7M | $54.1M | $36.3M | $7.2M | $191K | 0.62% | 3.79% | 1.23% | 6,424 |
| Q1 2025 | $61.0M | $53.5M | $36.0M | $7.1M | $88K | 0.58% | 3.71% | 1.03% | 6,317 |
| Q4 2024 | $57.4M | $50.0M | $36.4M | $7.1M | $689K | 1.20% | 3.71% | 0.88% | 6,249 |
| Q3 2024 | $55.7M | $48.3M | $36.3M | $7.0M | $610K | 1.46% | 3.78% | 0.95% | 6,210 |
| Q2 2024 | $53.4M | $46.1M | $36.7M | $6.8M | $416K | 1.56% | 3.85% | 0.70% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,132 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $28.9M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 81.5% | 23th |
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.