| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +3.0 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 13.2% | 4.1% | +9.1 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.9M | $12.2M | $6.4M | $1.6M | $52K | 1.50% | 4.37% | 0.44% | 1,135 |
| Q4 2025 | $14.0M | $12.3M | $6.2M | $1.5M | $205K | 1.47% | 4.20% | 0.39% | 1,150 |
| Q3 2025 | $13.3M | $11.8M | $6.1M | $1.5M | $149K | 1.49% | 4.31% | 0.84% | 1,170 |
| Q2 2025 | $12.9M | $11.4M | $6.3M | $1.4M | $94K | 1.46% | 4.35% | 0.49% | 1,142 |
| Q1 2025 | $13.1M | $11.6M | $6.4M | $1.4M | $37K | 1.14% | 4.20% | 0.51% | 1,140 |
| Q4 2024 | $13.2M | $11.7M | $6.4M | $1.3M | $187K | 1.42% | 4.37% | 0.43% | 1,168 |
| Q3 2024 | $13.2M | $11.7M | $6.8M | $1.3M | $131K | 1.33% | 4.33% | 0.62% | 1,169 |
| Q2 2024 | $12.7M | $11.4M | $7.0M | $1.2M | $73K | 1.15% | 4.35% | 0.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,170 |
Loan mix (Q1 2026): real estate $3.7M · commercial $82K · consumer $1.9M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 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.