| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.5 pts |
| Loan growth (YoY) | +3.6% | -2.4% | +6.0 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.0M | $79.9M | $42.2M | $12.2M | $271K | 1.18% | 2.94% | 0.07% | 6,597 |
| Q4 2025 | $90.4M | $78.4M | $41.8M | $11.9M | $640K | 0.71% | 2.73% | 0.14% | 6,557 |
| Q3 2025 | $89.3M | $77.7M | $41.6M | $11.7M | $423K | 0.63% | 2.70% | 0.11% | 6,681 |
| Q2 2025 | $88.6M | $77.4M | $42.7M | $11.6M | $257K | 0.58% | 2.63% | 0.21% | 6,670 |
| Q1 2025 | $84.9M | $73.9M | $40.7M | $11.4M | $116K | 0.55% | 2.64% | 0.28% | 6,624 |
| Q4 2024 | $83.0M | $72.3M | $40.9M | $11.3M | $470K | 0.57% | 2.71% | 0.23% | 6,609 |
| Q3 2024 | $82.3M | $71.2M | $41.4M | $11.3M | $401K | 0.65% | 2.73% | 0.04% | 6,708 |
| Q2 2024 | $82.6M | $72.0M | $41.8M | $11.1M | $261K | 0.63% | 2.70% | 0.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,670 |
Loan mix (Q1 2026): real estate $9.8M · commercial $0 · consumer $30.4M · securities $39.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 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.