| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +2.0% | -2.4% | +4.4 pts |
| ROA | 0.55% | 0.60% | -0.1 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.5M | $35.5M | $13.8M | $4.4M | $56K | 0.55% | 2.56% | 0.04% | 2,751 |
| Q4 2025 | $40.1M | $35.2M | $14.0M | $4.3M | $203K | 0.51% | 2.49% | 0.06% | 2,750 |
| Q3 2025 | $38.7M | $33.8M | $13.9M | $4.3M | $153K | 0.53% | 2.57% | 0.03% | 2,739 |
| Q2 2025 | $40.7M | $35.8M | $14.0M | $4.2M | $100K | 0.49% | 2.39% | 0.01% | 2,739 |
| Q1 2025 | $39.2M | $34.5M | $13.6M | $4.2M | $45K | 0.45% | 2.40% | 0.00% | 2,716 |
| Q4 2024 | $37.9M | $33.3M | $13.5M | $4.1M | $279K | 0.73% | 2.59% | 0.00% | 2,690 |
| Q3 2024 | $37.4M | $32.8M | $13.1M | $4.1M | $220K | 0.79% | 2.65% | 0.01% | 2,723 |
| Q2 2024 | $41.0M | $36.5M | $12.3M | $4.0M | $153K | 0.75% | 2.44% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,770 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $13.6M · securities $17.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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.