| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.8 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $91.6M | $82.3M | $66.5M | $8.1M | $221K | 0.96% | 4.67% | 0.37% | 8,311 |
| Q4 2025 | $91.5M | $82.9M | $68.0M | $7.0M | $158K | 0.17% | 4.53% | 0.89% | 8,316 |
| Q3 2025 | $89.2M | $80.4M | $67.9M | $6.9M | $-33K | -0.05% | 4.61% | 0.76% | 8,309 |
| Q2 2025 | $89.9M | $80.3M | $68.3M | $8.1M | $351K | 0.78% | 4.57% | 1.15% | 8,316 |
| Q1 2025 | $90.2M | $81.5M | $66.9M | $7.9M | $163K | 0.72% | 4.54% | 0.77% | 8,289 |
| Q4 2024 | $80.4M | $71.6M | $67.5M | $7.7M | $700K | 0.87% | 4.78% | 1.12% | 8,270 |
| Q3 2024 | $82.0M | $73.4M | $67.6M | $7.6M | $522K | 0.85% | 4.60% | 1.02% | 8,289 |
| Q2 2024 | $83.4M | $74.3M | $67.0M | $7.5M | $416K | 1.00% | 4.47% | 1.66% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,326 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $49.5M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 81.5% | 29th |
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.