| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +9.7% | -2.4% | +12.1 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.2M | $72.1M | $32.1M | $9.4M | $186K | 0.92% | 3.09% | 0.33% | 3,341 |
| Q4 2025 | $78.4M | $69.6M | $32.0M | $9.2M | $951K | 1.21% | 3.29% | 0.44% | 3,333 |
| Q3 2025 | $76.7M | $68.3M | $31.2M | $9.0M | $706K | 1.23% | 3.30% | 0.33% | 3,327 |
| Q2 2025 | $76.8M | $68.7M | $30.0M | $8.8M | $462K | 1.20% | 3.26% | 0.50% | 3,330 |
| Q1 2025 | $76.8M | $69.1M | $29.2M | $8.6M | $267K | 1.39% | 3.21% | 0.33% | 3,347 |
| Q4 2024 | $74.5M | $67.2M | $28.7M | $8.3M | $1.1M | 1.42% | 4.26% | 0.41% | 3,346 |
| Q3 2024 | $73.2M | $66.0M | $28.6M | $8.0M | $763K | 1.39% | 4.58% | 0.39% | 3,371 |
| Q2 2024 | $73.4M | $66.6M | $28.3M | $7.7M | $599K | 1.63% | 4.61% | 0.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,365 |
Loan mix (Q1 2026): real estate $19.4M · commercial $397K · consumer $10.7M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 81.5% | 25th |
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.