| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | +5.3% | -2.4% | +7.7 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $5.6M | $4.6M | $865K | $14K | 0.90% | 3.17% | 0.01% | 803 |
| Q4 2025 | $6.3M | $5.4M | $4.3M | $851K | $52K | 0.83% | 3.06% | 0.03% | 795 |
| Q3 2025 | $6.3M | $5.5M | $4.4M | $838K | $40K | 0.85% | 3.05% | 0.04% | 800 |
| Q2 2025 | $6.3M | $5.5M | $4.4M | $824K | $26K | 0.82% | 2.98% | 0.00% | 798 |
| Q1 2025 | $6.3M | $5.5M | $4.3M | $811K | $13K | 0.82% | 3.02% | 0.00% | 796 |
| Q4 2024 | $6.2M | $5.4M | $4.4M | $798K | $45K | 0.72% | 2.94% | 0.00% | 799 |
| Q3 2024 | $6.3M | $5.5M | $4.5M | $784K | $30K | 0.64% | 2.84% | 0.00% | 805 |
| Q2 2024 | $6.6M | $5.8M | $4.5M | $771K | $17K | 0.52% | 2.63% | 0.00% | 795 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $3.4M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 81.5% | 32th |
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% |
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