| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 1.94% | 0.60% | +1.3 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $71.3M | $53.5M | $22.2M | $17.7M | $345K | 1.94% | 3.37% | 0.99% | 3,545 |
| Q4 2025 | $69.6M | $52.1M | $22.0M | $17.4M | $1.5M | 2.09% | 3.59% | 1.03% | 3,555 |
| Q3 2025 | $69.4M | $52.3M | $22.1M | $17.0M | $1.1M | 2.11% | 3.62% | 0.50% | 3,571 |
| Q2 2025 | $69.3M | $52.6M | $22.0M | $16.7M | $701K | 2.02% | 3.55% | 0.96% | 3,584 |
| Q1 2025 | $69.4M | $53.1M | $21.6M | $16.3M | $340K | 1.96% | 3.48% | 1.04% | 3,586 |
| Q4 2024 | $67.4M | $51.4M | $21.6M | $16.0M | $1.4M | 2.02% | 3.44% | 1.47% | 3,588 |
| Q3 2024 | $67.2M | $51.6M | $21.8M | $15.6M | $1.0M | 2.06% | 3.48% | 0.77% | 3,591 |
| Q2 2024 | $66.3M | $51.0M | $22.0M | $15.2M | $633K | 1.91% | 3.37% | 2.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,603 |
Loan mix (Q1 2026): real estate $17.0M · commercial $0 · consumer $5.2M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 81.5% | 5th |
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.