| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $91.0M | $82.5M | $34.1M | $8.5M | $216K | 0.95% | 3.47% | 0.19% | 10,858 |
| Q4 2025 | $89.5M | $81.2M | $34.7M | $8.3M | $924K | 1.03% | 3.39% | 0.20% | 10,967 |
| Q3 2025 | $87.1M | $79.0M | $34.1M | $8.1M | $715K | 1.09% | 3.42% | 0.30% | 10,909 |
| Q2 2025 | $87.1M | $79.3M | $33.9M | $7.8M | $394K | 0.90% | 3.32% | 1.15% | 10,781 |
| Q1 2025 | $87.0M | $79.4M | $33.4M | $7.5M | $165K | 0.76% | 3.19% | 0.25% | 10,697 |
| Q4 2024 | $82.8M | $75.4M | $33.5M | $7.4M | $575K | 0.69% | 3.11% | 0.24% | 10,697 |
| Q3 2024 | $81.0M | $73.7M | $33.3M | $7.2M | $425K | 0.70% | 3.13% | 0.44% | 10,606 |
| Q2 2024 | $80.5M | $73.1M | $32.3M | $7.1M | $238K | 0.59% | 3.05% | 0.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 10,494 |
Loan mix (Q1 2026): real estate $9.9M · commercial $0 · consumer $22.3M · securities $47.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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.