| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | 1.76% | 0.60% | +1.2 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.8M | $24.8M | $16.9M | $8.0M | $144K | 1.76% | 5.02% | 0.48% | 2,370 |
| Q4 2025 | $32.0M | $24.1M | $16.6M | $7.9M | $365K | 1.14% | 5.01% | 1.15% | 2,345 |
| Q3 2025 | $31.7M | $24.0M | $16.8M | $7.7M | $200K | 0.84% | 4.98% | 1.20% | 2,327 |
| Q2 2025 | $32.5M | $24.7M | $16.4M | $7.6M | $140K | 0.86% | 4.73% | 1.19% | 2,308 |
| Q1 2025 | $33.1M | $25.4M | $16.0M | $7.6M | $86K | 1.04% | 4.48% | 0.28% | 2,312 |
| Q4 2024 | $32.4M | $24.8M | $16.2M | $7.5M | $275K | 0.85% | 4.15% | 1.43% | 2,310 |
| Q3 2024 | $32.6M | $24.9M | $16.3M | $7.5M | $246K | 1.00% | 4.39% | 1.21% | 2,306 |
| Q2 2024 | $33.2M | $25.8M | $15.6M | $7.4M | $178K | 1.07% | 4.08% | 1.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,287 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $12.3M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 81.5% | 16th |
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.