| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | +5.4% | -2.4% | +7.8 pts |
| ROA | 1.41% | 0.60% | +0.8 pts |
| ROE | 11.9% | 4.1% | +7.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.6M | $82.3M | $65.6M | $11.1M | $330K | 1.41% | 4.40% | 0.85% | 7,390 |
| Q4 2025 | $89.4M | $78.5M | $65.0M | $10.8M | $1.1M | 1.19% | 4.33% | 0.99% | 7,369 |
| Q3 2025 | $85.0M | $74.4M | $66.2M | $10.6M | $860K | 1.35% | 4.47% | 0.80% | 7,361 |
| Q2 2025 | $85.5M | $75.2M | $64.4M | $10.3M | $581K | 1.36% | 4.35% | 0.64% | 7,305 |
| Q1 2025 | $86.0M | $76.1M | $62.2M | $10.1M | $273K | 1.27% | 4.24% | 1.13% | 7,353 |
| Q4 2024 | $84.4M | $74.9M | $62.8M | $9.8M | $729K | 0.86% | 3.87% | 1.46% | 7,351 |
| Q3 2024 | $85.8M | $76.5M | $61.7M | $9.6M | $549K | 0.85% | 3.73% | 1.25% | 7,360 |
| Q2 2024 | $84.0M | $75.2M | $61.3M | $9.4M | $329K | 0.78% | 3.73% | 1.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,345 |
Loan mix (Q1 2026): real estate $37.0M · commercial $5.7M · consumer $20.1M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 81.5% | 22th |
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.