| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.3M | $8.6M | $8.2M | $2.6M | $34K | 1.21% | 4.75% | 0.28% | 1,049 |
| Q4 2025 | $11.2M | $8.5M | $8.1M | $2.6M | $116K | 1.04% | 4.39% | 1.64% | 1,044 |
| Q3 2025 | $11.3M | $8.6M | $8.2M | $2.6M | $109K | 1.29% | 4.54% | 0.10% | 1,049 |
| Q2 2025 | $10.9M | $8.2M | $8.4M | $2.6M | $73K | 1.34% | 4.71% | 0.39% | 1,053 |
| Q1 2025 | $10.9M | $8.2M | $8.6M | $2.5M | $39K | 1.45% | 4.73% | 0.06% | 1,056 |
| Q4 2024 | $11.2M | $8.6M | $8.6M | $2.5M | $98K | 0.88% | 4.23% | 0.42% | 1,048 |
| Q3 2024 | $11.3M | $8.7M | $8.5M | $2.5M | $90K | 1.06% | 4.33% | 0.00% | 1,053 |
| Q2 2024 | $11.3M | $8.7M | $8.4M | $2.5M | $56K | 0.99% | 4.24% | 0.10% | 1,063 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $114K · commercial $0 · consumer $6.9M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 81.5% | 36th |
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% |
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