| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.8 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.8 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $83.4M | $70.3M | $20.2M | $12.5M | $176K | 0.85% | 2.45% | 0.04% | 2,818 |
| Q4 2025 | $81.4M | $68.4M | $20.6M | $12.3M | $488K | 0.60% | 2.25% | 0.07% | 2,808 |
| Q3 2025 | $79.2M | $66.5M | $20.7M | $12.1M | $330K | 0.56% | 2.25% | 0.03% | 2,841 |
| Q2 2025 | $79.3M | $66.8M | $20.7M | $12.0M | $185K | 0.47% | 2.18% | 0.04% | 2,857 |
| Q1 2025 | $79.6M | $67.2M | $20.9M | $11.9M | $66K | 0.33% | 2.08% | 0.08% | 2,864 |
| Q4 2024 | $77.6M | $65.4M | $21.0M | $11.8M | $310K | 0.40% | 2.06% | 0.08% | 2,847 |
| Q3 2024 | $76.4M | $64.2M | $21.4M | $11.7M | $234K | 0.41% | 2.06% | 0.04% | 2,852 |
| Q2 2024 | $78.8M | $66.7M | $21.4M | $11.7M | $157K | 0.40% | 1.98% | 0.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,852 |
Loan mix (Q1 2026): real estate $15.8M · commercial $0 · consumer $4.1M · securities $57.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 81.5% | 21th |
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.