| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +2.6% | +0.7% | +2.0 pts |
| Loan growth (YoY) | +5.9% | -2.4% | +8.2 pts |
| ROA | 2.21% | 0.60% | +1.6 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.2M | $65.2M | $58.6M | $29.6M | $521K | 2.21% | 4.45% | 0.82% | 8,884 |
| Q4 2025 | $94.0M | $65.5M | $58.2M | $29.1M | $2.0M | 2.15% | 4.59% | 0.90% | 8,906 |
| Q3 2025 | $92.8M | $64.7M | $57.1M | $28.6M | $1.6M | 2.26% | 4.64% | 0.87% | 8,058 |
| Q2 2025 | $92.1M | $64.6M | $55.9M | $28.0M | $981K | 2.13% | 4.59% | 0.59% | 8,083 |
| Q1 2025 | $90.4M | $63.5M | $55.3M | $27.6M | $511K | 2.26% | 4.55% | 0.58% | 8,087 |
| Q4 2024 | $85.7M | $59.3M | $55.1M | $27.1M | $2.0M | 2.28% | 4.83% | 0.49% | 8,325 |
| Q3 2024 | $85.9M | $59.9M | $55.1M | $26.6M | $1.5M | 2.37% | 4.75% | 0.38% | 8,275 |
| Q2 2024 | $84.8M | $58.9M | $53.7M | $26.1M | $1.0M | 2.38% | 4.75% | 0.77% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,425 |
Loan mix (Q1 2026): real estate $21.7M · commercial $0 · consumer $29.1M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 81.5% | 8th |
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.