| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.8 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.9 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.9M | $50.1M | $19.3M | $9.3M | $164K | 1.10% | 3.53% | 0.47% | 3,890 |
| Q4 2025 | $57.4M | $47.8M | $19.3M | $9.2M | $627K | 1.09% | 3.44% | 1.11% | 3,907 |
| Q3 2025 | $56.4M | $47.0M | $19.4M | $9.0M | $468K | 1.11% | 3.42% | 0.99% | 3,938 |
| Q2 2025 | $55.7M | $46.4M | $19.6M | $8.8M | $301K | 1.08% | 3.37% | 0.57% | 3,945 |
| Q1 2025 | $55.3M | $46.2M | $19.2M | $8.7M | $134K | 0.97% | 3.26% | 0.55% | 3,948 |
| Q4 2024 | $53.2M | $44.3M | $19.3M | $8.5M | $679K | 1.28% | 3.35% | 0.75% | 3,952 |
| Q3 2024 | $52.2M | $43.3M | $19.2M | $8.4M | $527K | 1.35% | 3.39% | 1.44% | 3,934 |
| Q2 2024 | $53.7M | $45.0M | $19.3M | $8.2M | $372K | 1.39% | 3.27% | 1.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,953 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $13.2M · securities $33.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 35th |
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.