| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.1 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.6M | $39.2M | $19.0M | $8.4M | $114K | 0.96% | 2.73% | 0.15% | 2,969 |
| Q4 2025 | $46.7M | $38.4M | $18.8M | $8.3M | $158K | 0.34% | 2.64% | 0.14% | 2,973 |
| Q3 2025 | $47.3M | $39.1M | $19.0M | $8.2M | $110K | 0.31% | 2.60% | 0.21% | 2,976 |
| Q2 2025 | $46.7M | $38.5M | $19.2M | $8.2M | $59K | 0.25% | 2.54% | 0.13% | 3,000 |
| Q1 2025 | $47.1M | $39.0M | $18.8M | $8.1M | $27K | 0.23% | 2.47% | 0.59% | 3,007 |
| Q4 2024 | $47.2M | $39.1M | $18.8M | $8.1M | $109K | 0.23% | 2.38% | 0.35% | 3,009 |
| Q3 2024 | $47.9M | $39.4M | $18.1M | $8.1M | $84K | 0.23% | 2.31% | 0.50% | 3,022 |
| Q2 2024 | $48.1M | $39.5M | $17.9M | $8.1M | $67K | 0.28% | 2.28% | 0.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,016 |
Loan mix (Q1 2026): real estate $15.9M · commercial $0 · consumer $2.8M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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.