| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.3 pts |
| ROA | 1.72% | 0.60% | +1.1 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.3M | $52.1M | $52.2M | $14.9M | $294K | 1.72% | 4.26% | 0.99% | 2,903 |
| Q4 2025 | $67.3M | $51.7M | $52.1M | $14.6M | $2.0M | 2.92% | 4.20% | 1.93% | 2,883 |
| Q3 2025 | $68.0M | $51.6M | $50.5M | $14.3M | $1.7M | 3.25% | 4.11% | 0.69% | 2,994 |
| Q2 2025 | $66.1M | $51.0M | $50.1M | $13.1M | $497K | 1.51% | 4.17% | 0.17% | 2,834 |
| Q1 2025 | $65.5M | $51.5M | $49.8M | $12.9M | $258K | 1.58% | 4.21% | 0.92% | 2,809 |
| Q4 2024 | $63.7M | $50.3M | $50.2M | $12.6M | $2.0M | 3.12% | 4.58% | 0.74% | 2,776 |
| Q3 2024 | $66.4M | $52.4M | $50.2M | $12.3M | $1.7M | 3.32% | 4.34% | 0.10% | 2,753 |
| Q2 2024 | $66.7M | $53.0M | $50.2M | $12.0M | $1.3M | 3.86% | 4.26% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,710 |
Loan mix (Q1 2026): real estate $40.7M · commercial $0 · consumer $11.4M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 81.5% | 13th |
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.