| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +7.4% | +0.7% | +6.7 pts |
| Loan growth (YoY) | +5.7% | -2.4% | +8.1 pts |
| ROA | 1.99% | 0.60% | +1.4 pts |
| ROE | 15.2% | 4.1% | +11.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.1M | $21.6M | $9.2M | $3.3M | $125K | 1.99% | 4.10% | 0.28% | 2,088 |
| Q4 2025 | $24.2M | $20.8M | $9.1M | $3.2M | $473K | 1.96% | 3.78% | 0.26% | 2,115 |
| Q3 2025 | $23.7M | $20.4M | $9.0M | $3.1M | $342K | 1.92% | 3.70% | 0.47% | 2,025 |
| Q2 2025 | $23.3M | $20.2M | $8.9M | $3.0M | $215K | 1.84% | 3.61% | 0.28% | 2,031 |
| Q1 2025 | $23.1M | $20.1M | $8.7M | $2.8M | $100K | 1.73% | 3.59% | 0.11% | 2,049 |
| Q4 2024 | $23.1M | $20.3M | $8.9M | $2.7M | $319K | 1.38% | 3.38% | 0.38% | 2,087 |
| Q3 2024 | $23.1M | $20.3M | $8.8M | $2.7M | $246K | 1.42% | 3.31% | 0.59% | 2,145 |
| Q2 2024 | $22.7M | $20.1M | $8.8M | $2.6M | $131K | 1.15% | 3.20% | 0.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,157 |
Loan mix (Q1 2026): real estate $303K · commercial $410K · consumer $7.8M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 81.5% | 10th |
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.