| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +5.1% | -4.6 pts |
| Share growth (YoY) | +0.0% | +4.9% | -4.8 pts |
| Loan growth (YoY) | -0.4% | +5.4% | -5.9 pts |
| ROA | 0.22% | 0.71% | -0.5 pts |
| ROE | 2.8% | 6.3% | -3.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.39B | $1.95B | $2.03B | $189.4M | $1.3M | 0.22% | 2.97% | 1.13% | 141,745 |
| Q4 2025 | $2.38B | $1.90B | $2.03B | $188.2M | $3.3M | 0.14% | 3.07% | 1.27% | 140,111 |
| Q3 2025 | $2.38B | $1.88B | $2.03B | $184.0M | $4.1M | 0.23% | 3.06% | 1.04% | 138,256 |
| Q2 2025 | $2.38B | $1.92B | $2.03B | $183.0M | $2.4M | 0.20% | 3.04% | 1.08% | 135,987 |
| Q1 2025 | $2.38B | $1.95B | $2.04B | $181.1M | $-269K | -0.05% | 2.97% | 0.89% | 133,915 |
| Q4 2024 | $2.40B | $1.94B | $2.04B | $182.0M | $-6.6M | -0.28% | 2.71% | 1.07% | 131,420 |
| Q3 2024 | $2.40B | $1.94B | $2.05B | $185.5M | $-5.6M | -0.31% | 2.65% | 1.09% | 129,579 |
| Q2 2024 | $2.45B | $1.94B | $2.07B | $191.0M | $-1.5M | -0.12% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.71% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 6.3% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.07% |
| 127,343 |
Loan mix (Q1 2026): real estate $668.4M · commercial $0 · consumer $1.05B · securities $21.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 73.0% | 83th |
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.