| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.3 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 12.1% | 4.1% | +8.0 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 | $49.6M | $44.1M | $14.2M | $5.3M | $161K | 1.30% | 2.91% | 0.18% | 5,280 |
| Q4 2025 | $47.9M | $42.7M | $14.2M | $5.1M | $767K | 1.60% | 2.96% | 0.46% | 5,271 |
| Q3 2025 | $46.5M | $41.3M | $13.9M | $5.0M | $579K | 1.66% | 3.00% | 0.78% | 5,287 |
| Q2 2025 | $46.8M | $41.9M | $13.8M | $4.8M | $383K | 1.64% | 2.92% | 1.33% | 5,040 |
| Q1 2025 | $46.8M | $42.2M | $13.8M | $4.5M | $157K | 1.34% | 2.67% | 1.47% | 5,150 |
| Q4 2024 | $44.7M | $40.2M | $14.1M | $4.4M | $384K | 0.86% | 2.54% | 1.22% | 5,118 |
| Q3 2024 | $44.6M | $40.3M | $14.2M | $4.3M | $281K | 0.84% | 2.58% | 0.02% | 5,118 |
| Q2 2024 | $45.5M | $41.3M | $14.1M | $4.1M | $259K | 1.14% | 2.66% | 0.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,194 |
Loan mix (Q1 2026): real estate $7.6M · commercial $0 · consumer $6.4M · securities $29.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 81.5% | 14th |
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.