| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.6M | $37.7M | $18.1M | $7.9M | $149K | 1.30% | 4.28% | 0.27% | 2,764 |
| Q4 2025 | $45.1M | $37.4M | $18.8M | $7.7M | $861K | 1.91% | 4.31% | 0.83% | 2,778 |
| Q3 2025 | $43.7M | $36.2M | $18.7M | $7.5M | $624K | 1.90% | 4.41% | 0.48% | 2,774 |
| Q2 2025 | $44.0M | $36.7M | $19.1M | $7.3M | $456K | 2.07% | 4.27% | 0.99% | 2,762 |
| Q1 2025 | $43.4M | $36.4M | $18.3M | $7.0M | $162K | 1.49% | 4.19% | 0.71% | 2,753 |
| Q4 2024 | $42.7M | $35.8M | $19.4M | $6.9M | $938K | 2.20% | 4.22% | 0.60% | 2,611 |
| Q3 2024 | $42.3M | $35.6M | $19.8M | $6.7M | $741K | 2.34% | 4.20% | 0.35% | 2,624 |
| Q2 2024 | $43.6M | $37.1M | $20.1M | $6.4M | $490K | 2.25% | 3.94% | 0.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,638 |
Loan mix (Q1 2026): real estate $4.6M · commercial $0 · consumer $11.5M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 81.5% | 10th |
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.