| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.8 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.7 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.0M | $81.4M | $30.7M | $14.5M | $278K | 1.16% | 2.42% | 0.09% | 4,475 |
| Q4 2025 | $92.5M | $78.2M | $31.0M | $14.2M | $965K | 1.04% | 2.36% | 0.15% | 4,466 |
| Q3 2025 | $93.0M | $78.9M | $31.3M | $14.0M | $718K | 1.03% | 2.34% | 0.40% | 4,461 |
| Q2 2025 | $91.4M | $77.5M | $31.0M | $13.7M | $419K | 0.92% | 2.23% | 0.13% | 4,447 |
| Q1 2025 | $90.0M | $76.4M | $30.9M | $13.4M | $142K | 0.63% | 2.01% | 0.14% | 4,444 |
| Q4 2024 | $87.0M | $73.6M | $31.0M | $13.3M | $1.1M | 1.26% | 2.49% | 0.29% | 4,432 |
| Q3 2024 | $85.7M | $72.4M | $31.0M | $13.1M | $887K | 1.38% | 2.59% | 0.57% | 4,418 |
| Q2 2024 | $86.4M | $73.5M | $30.3M | $12.8M | $592K | 1.37% | 2.51% | 0.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,401 |
Loan mix (Q1 2026): real estate $13.3M · commercial $0 · consumer $17.0M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 81.5% | 8th |
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.