| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.9% | +0.7% | +6.2 pts |
| Loan growth (YoY) | +9.0% | -2.4% | +11.4 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.5M | $73.7M | $48.9M | $12.2M | $47K | 0.22% | 3.08% | 0.14% | 2,553 |
| Q4 2025 | $84.2M | $71.3M | $49.7M | $12.2M | $541K | 0.64% | 2.98% | 0.17% | 2,534 |
| Q3 2025 | $82.6M | $69.9M | $48.2M | $12.1M | $454K | 0.73% | 3.03% | 0.15% | 2,519 |
| Q2 2025 | $80.5M | $68.1M | $45.8M | $11.9M | $260K | 0.65% | 3.01% | 0.07% | 2,510 |
| Q1 2025 | $81.2M | $69.0M | $44.9M | $11.7M | $91K | 0.45% | 2.93% | 0.05% | 2,493 |
| Q4 2024 | $79.8M | $67.4M | $45.7M | $11.6M | $275K | 0.34% | 2.52% | 0.13% | 2,483 |
| Q3 2024 | $82.4M | $68.3M | $46.0M | $11.5M | $142K | 0.23% | 2.35% | 0.31% | 2,483 |
| Q2 2024 | $80.2M | $68.1M | $46.0M | $11.4M | $63K | 0.16% | 2.34% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,480 |
Loan mix (Q1 2026): real estate $32.3M · commercial $845K · consumer $13.4M · securities $31.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 68th |
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.