| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.6% | +0.7% | +4.9 pts |
| Loan growth (YoY) | +6.5% | -2.4% | +8.8 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.7M | $38.7M | $22.1M | $3.9M | $80K | 0.74% | 3.78% | 0.74% | 4,442 |
| Q4 2025 | $41.3M | $37.3M | $22.0M | $3.8M | $313K | 0.76% | 3.88% | 1.79% | 4,465 |
| Q3 2025 | $40.3M | $36.4M | $22.0M | $3.5M | $239K | 0.79% | 3.94% | 1.67% | 4,470 |
| Q2 2025 | $40.6M | $36.9M | $21.8M | $3.5M | $156K | 0.77% | 3.81% | 0.81% | 4,444 |
| Q1 2025 | $40.3M | $36.7M | $20.8M | $3.4M | $53K | 0.53% | 3.41% | 0.96% | 4,403 |
| Q4 2024 | $39.6M | $36.2M | $19.9M | $3.3M | $325K | 0.82% | 3.60% | 0.67% | 4,393 |
| Q3 2024 | $38.1M | $34.6M | $20.6M | $3.3M | $252K | 0.88% | 3.67% | 0.61% | 4,410 |
| Q2 2024 | $39.4M | $36.2M | $20.7M | $3.1M | $132K | 0.67% | 3.44% | 0.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,409 |
Loan mix (Q1 2026): real estate $4.0M · commercial $0 · consumer $16.5M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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% |
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