| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +8.0% | +0.7% | +7.4 pts |
| Loan growth (YoY) | +6.3% | -2.4% | +8.6 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.3M | $24.9M | $21.6M | $4.9M | $18K | 0.24% | 4.51% | 0.59% | 3,368 |
| Q4 2025 | $28.4M | $23.0M | $22.3M | $4.9M | $-25K | -0.09% | 4.80% | 0.48% | 3,371 |
| Q3 2025 | $27.9M | $22.5M | $22.3M | $4.8M | $-104K | -0.50% | 4.84% | 0.58% | 3,338 |
| Q2 2025 | $27.4M | $21.9M | $21.8M | $4.9M | $-65K | -0.47% | 4.88% | 0.88% | 3,384 |
| Q1 2025 | $28.6M | $23.1M | $20.3M | $4.9M | $-30K | -0.41% | 4.60% | 0.63% | 3,349 |
| Q4 2024 | $27.5M | $22.1M | $20.6M | $4.9M | $40K | 0.15% | 4.97% | 0.62% | 3,347 |
| Q3 2024 | $29.3M | $23.8M | $20.6M | $4.9M | $38K | 0.17% | 4.67% | 1.04% | 3,346 |
| Q2 2024 | $29.4M | $23.6M | $20.4M | $4.9M | $24K | 0.16% | 4.64% | 0.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,337 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $20.8M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 81.5% | 71th |
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.