| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +10.0% | +0.7% | +9.3 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.2 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.0M | $13.3M | $4.8M | $1.7M | $13K | 0.35% | 1.39% | 0.69% | 1,267 |
| Q4 2025 | $14.6M | $13.0M | $5.2M | $1.7M | $68K | 0.47% | 1.51% | 0.49% | 1,269 |
| Q3 2025 | $14.2M | $12.6M | $5.2M | $1.7M | $47K | 0.44% | 1.52% | 0.58% | 1,261 |
| Q2 2025 | $13.9M | $12.3M | $5.2M | $1.6M | $36K | 0.51% | 1.61% | 0.07% | 1,259 |
| Q1 2025 | $13.7M | $12.1M | $5.0M | $1.6M | $12K | 0.35% | 1.47% | 0.56% | 1,259 |
| Q4 2024 | $13.4M | $11.8M | $5.0M | $1.6M | $48K | 0.36% | 1.54% | 0.00% | 1,255 |
| Q3 2024 | $12.9M | $11.3M | $5.3M | $1.6M | $40K | 0.41% | 1.62% | 0.28% | 1,253 |
| Q2 2024 | $12.8M | $11.3M | $5.3M | $1.6M | $26K | 0.40% | 1.62% | 0.81% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,251 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.9M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 34th |
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.