| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | +7.7% | -2.4% | +10.0 pts |
| ROA | 2.81% | 0.60% | +2.2 pts |
| ROE | 12.4% | 4.1% | +8.3 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.7M | $50.8M | $35.1M | $15.1M | $469K | 2.81% | 4.55% | 0.54% | 6,034 |
| Q4 2025 | $63.3M | $48.2M | $34.4M | $14.6M | $1.8M | 2.84% | 4.53% | 1.01% | 6,031 |
| Q3 2025 | $62.4M | $47.5M | $34.4M | $14.3M | $1.4M | 3.09% | 4.68% | 0.49% | 5,980 |
| Q2 2025 | $64.3M | $49.9M | $33.1M | $13.7M | $906K | 2.82% | 4.43% | 0.45% | 5,941 |
| Q1 2025 | $63.5M | $49.6M | $32.6M | $13.3M | $434K | 2.73% | 4.35% | 0.54% | 5,875 |
| Q4 2024 | $60.5M | $47.1M | $30.7M | $12.8M | $1.6M | 2.61% | 4.26% | 0.25% | 5,850 |
| Q3 2024 | $59.4M | $46.6M | $30.4M | $12.4M | $1.1M | 2.50% | 4.27% | 0.25% | 5,794 |
| Q2 2024 | $60.2M | $47.6M | $30.1M | $12.0M | $702K | 2.33% | 4.13% | 0.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.81% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,751 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $35.0M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.9% | 81.5% | 2th |
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.