| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -3.3% | -2.4% | -0.9 pts |
| ROA | 2.57% | 0.60% | +2.0 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.7M | $32.6M | $29.6M | $10.5M | $281K | 2.57% | 5.78% | 0.46% | 6,151 |
| Q4 2025 | $43.2M | $32.8M | $29.7M | $10.2M | $1.0M | 2.36% | 5.80% | 0.42% | 6,182 |
| Q3 2025 | $42.5M | $31.9M | $30.0M | $10.0M | $752K | 2.36% | 5.86% | 0.74% | 6,208 |
| Q2 2025 | $42.5M | $32.6M | $29.9M | $9.7M | $491K | 2.31% | 5.75% | 0.52% | 6,211 |
| Q1 2025 | $42.0M | $32.1M | $30.6M | $9.5M | $242K | 2.30% | 5.69% | 0.81% | 6,195 |
| Q4 2024 | $40.7M | $31.3M | $30.7M | $9.2M | $919K | 2.26% | 5.57% | 1.04% | 6,167 |
| Q3 2024 | $40.4M | $31.2M | $31.4M | $9.1M | $689K | 2.28% | 5.51% | 1.07% | 6,150 |
| Q2 2024 | $42.5M | $33.3M | $31.8M | $8.8M | $450K | 2.12% | 5.13% | 0.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.57% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,092 |
Loan mix (Q1 2026): real estate $26K · commercial $0 · consumer $27.0M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 81.5% | 6th |
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.