| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | -1.5% | -2.4% | +0.9 pts |
| ROA | 1.17% | 0.60% | +0.6 pts |
| ROE | 6.6% | 4.1% | +2.5 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 | $47.5M | $38.9M | $29.2M | $8.5M | $139K | 1.17% | 3.83% | 0.61% | 8,155 |
| Q4 2025 | $44.8M | $36.2M | $30.7M | $8.3M | $546K | 1.22% | 4.17% | 0.55% | 8,192 |
| Q3 2025 | $45.4M | $36.5M | $31.3M | $8.2M | $430K | 1.26% | 4.06% | 0.74% | 8,152 |
| Q2 2025 | $44.4M | $35.9M | $30.2M | $8.1M | $262K | 1.18% | 4.08% | 0.71% | 8,145 |
| Q1 2025 | $45.5M | $37.2M | $29.6M | $7.9M | $122K | 1.07% | 3.97% | 0.42% | 8,101 |
| Q4 2024 | $42.7M | $34.6M | $30.6M | $7.8M | $681K | 1.59% | 4.31% | 0.90% | 8,082 |
| Q3 2024 | $42.4M | $34.4M | $30.9M | $7.6M | $525K | 1.65% | 4.35% | 0.58% | 7,960 |
| Q2 2024 | $41.9M | $33.9M | $31.2M | $7.4M | $307K | 1.47% | 4.39% | 0.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,946 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $24.3M · securities $3.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 81.5% | 33th |
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.