| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.7 pts |
| Loan growth (YoY) | +12.4% | -2.4% | +14.8 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 10.0% | 4.1% | +5.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.8M | $84.0M | $56.5M | $10.3M | $256K | 1.08% | 4.58% | 0.40% | 6,033 |
| Q4 2025 | $93.0M | $82.4M | $55.7M | $10.1M | $692K | 0.74% | 3.95% | 0.37% | 5,993 |
| Q3 2025 | $93.1M | $82.7M | $54.9M | $9.9M | $533K | 0.76% | 3.92% | 0.36% | 5,902 |
| Q2 2025 | $95.9M | $85.9M | $52.9M | $9.7M | $334K | 0.70% | 3.70% | 0.34% | 5,836 |
| Q1 2025 | $94.2M | $84.1M | $50.2M | $9.6M | $204K | 0.87% | 3.79% | 0.38% | 5,791 |
| Q4 2024 | $90.2M | $78.7M | $51.8M | $9.4M | $538K | 0.60% | 3.32% | 0.48% | 5,745 |
| Q3 2024 | $89.3M | $78.2M | $50.3M | $9.2M | $408K | 0.61% | 3.31% | 1.10% | 5,705 |
| Q2 2024 | $89.0M | $79.5M | $49.3M | $9.1M | $261K | 0.59% | 3.23% | 0.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,668 |
Loan mix (Q1 2026): real estate $36.7M · commercial $0 · consumer $17.7M · securities $25.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 81.5% | 34th |
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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