| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.3 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 6.8% | 5.9% | +0.8 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.1M | $92.8M | $58.2M | $12.0M | $203K | 0.77% | 3.34% | 0.10% | 8,031 |
| Q4 2025 | $103.3M | $90.9M | $56.4M | $11.8M | $1.0M | 0.98% | 3.49% | 0.11% | 7,942 |
| Q3 2025 | $103.0M | $90.7M | $55.9M | $11.6M | $800K | 1.04% | 3.49% | 0.37% | 7,994 |
| Q2 2025 | $101.7M | $90.1M | $55.7M | $11.3M | $497K | 0.98% | 3.45% | 0.21% | 7,984 |
| Q1 2025 | $98.0M | $86.7M | $55.1M | $11.0M | $190K | 0.77% | 3.45% | 0.24% | 7,925 |
| Q4 2024 | $94.2M | $83.1M | $54.6M | $10.8M | $987K | 1.05% | 3.45% | 0.20% | 7,854 |
| Q3 2024 | $93.3M | $82.2M | $54.4M | $10.5M | $738K | 1.06% | 3.45% | 0.34% | 7,919 |
| Q2 2024 | $93.7M | $82.8M | $53.9M | $10.2M | $464K | 0.99% | 3.34% | 0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,898 |
Loan mix (Q1 2026): real estate $16.8M · commercial $0 · consumer $37.5M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 54th |
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.