| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -0.4% | -2.4% | +2.0 pts |
| ROA | 1.38% | 0.60% | +0.8 pts |
| ROE | 10.6% | 4.1% | +6.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $38.8M | $20.6M | $5.8M | $154K | 1.38% | 3.75% | 0.54% | 2,859 |
| Q4 2025 | $44.8M | $39.1M | $20.8M | $5.7M | $824K | 1.84% | 3.86% | 0.49% | 2,864 |
| Q3 2025 | $43.5M | $38.0M | $21.0M | $5.5M | $631K | 1.93% | 4.01% | 1.47% | 2,871 |
| Q2 2025 | $44.3M | $39.0M | $20.9M | $5.2M | $403K | 1.82% | 3.92% | 1.11% | 2,877 |
| Q1 2025 | $43.6M | $38.5M | $20.7M | $5.0M | $197K | 1.81% | 4.09% | 0.18% | 2,910 |
| Q4 2024 | $42.5M | $37.6M | $21.3M | $4.8M | $788K | 1.85% | 3.80% | 0.15% | 2,933 |
| Q3 2024 | $42.7M | $38.0M | $21.5M | $4.6M | $581K | 1.81% | 3.68% | 0.17% | 2,918 |
| Q2 2024 | $44.1M | $39.7M | $21.6M | $4.4M | $328K | 1.49% | 3.37% | 0.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,937 |
Loan mix (Q1 2026): real estate $11.4M · commercial $0 · consumer $8.6M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 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.