| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.0 pts |
| Loan growth (YoY) | +11.6% | -2.4% | +13.9 pts |
| ROA | 1.74% | 0.60% | +1.1 pts |
| ROE | 13.5% | 4.1% | +9.4 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 | $30.4M | $26.3M | $19.9M | $3.9M | $132K | 1.74% | 3.86% | 0.00% | 1,566 |
| Q4 2025 | $29.7M | $25.7M | $19.2M | $3.8M | $354K | 1.19% | 3.87% | 1.02% | 1,544 |
| Q3 2025 | $29.0M | $25.0M | $19.3M | $3.9M | $418K | 1.92% | 3.96% | 1.20% | 1,502 |
| Q2 2025 | $29.3M | $25.4M | $19.0M | $3.7M | $244K | 1.67% | 3.90% | 0.06% | 1,492 |
| Q1 2025 | $28.4M | $24.6M | $17.8M | $3.6M | $113K | 1.59% | 3.81% | 0.03% | 1,485 |
| Q4 2024 | $28.5M | $24.9M | $16.2M | $3.4M | $262K | 0.92% | 3.55% | 0.06% | 1,486 |
| Q3 2024 | $28.3M | $24.5M | $15.8M | $3.6M | $380K | 1.79% | 3.57% | 0.01% | 1,477 |
| Q2 2024 | $26.9M | $23.2M | $16.1M | $3.4M | $262K | 1.94% | 3.67% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,465 |
Loan mix (Q1 2026): real estate $10.1M · commercial $0 · consumer $7.9M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 81.5% | 13th |
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.