| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +1.9 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.7 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.4M | $35.8M | $15.8M | $5.1M | $99K | 1.00% | 4.07% | 0.41% | 2,576 |
| Q4 2025 | $38.4M | $34.7M | $15.4M | $5.0M | $303K | 0.79% | 4.17% | 0.75% | 2,598 |
| Q3 2025 | $37.9M | $34.4M | $16.0M | $4.9M | $217K | 0.77% | 4.14% | 0.98% | 2,617 |
| Q2 2025 | $37.7M | $34.7M | $15.9M | $4.8M | $124K | 0.66% | 4.07% | 0.42% | 2,624 |
| Q1 2025 | $38.2M | $35.3M | $15.7M | $4.7M | $55K | 0.57% | 3.95% | 0.05% | 2,627 |
| Q4 2024 | $36.8M | $34.3M | $16.2M | $4.7M | $198K | 0.54% | 4.07% | 0.05% | 2,676 |
| Q3 2024 | $38.0M | $34.8M | $16.3M | $4.6M | $142K | 0.50% | 3.94% | 0.00% | 2,692 |
| Q2 2024 | $38.4M | $35.8M | $16.4M | $4.5M | $75K | 0.39% | 3.86% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,703 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $10.7M · securities $16.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 81.5% | 40th |
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.