| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | +7.9% | -2.4% | +10.3 pts |
| ROA | 2.06% | 0.60% | +1.5 pts |
| ROE | 15.7% | 4.1% | +11.6 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.8M | $2.5M | $2.2M | $372K | $15K | 2.06% | 4.07% | 0.00% | 322 |
| Q4 2025 | $2.8M | $2.4M | $2.1M | $358K | $28K | 1.02% | 2.91% | 0.00% | 321 |
| Q3 2025 | $2.8M | $2.4M | $2.1M | $371K | $42K | 2.01% | 3.90% | 0.00% | 322 |
| Q2 2025 | $2.8M | $2.5M | $2.0M | $355K | $28K | 1.97% | 3.79% | 0.00% | 322 |
| Q1 2025 | $2.8M | $2.5M | $2.1M | $339K | $11K | 1.53% | 3.44% | 1.01% | 326 |
| Q4 2024 | $2.8M | $2.5M | $2.1M | $330K | $33K | 1.18% | 2.66% | 2.96% | 329 |
| Q3 2024 | $2.7M | $2.3M | $2.0M | $346K | $48K | 2.40% | 3.85% | 2.10% | 328 |
| Q2 2024 | $2.7M | $2.4M | $2.0M | $331K | $33K | 2.41% | 3.73% | 4.44% | 331 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $130K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 81.5% | 5th |
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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