| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.8% | -1.8 pts |
| Share growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +0.9% | +4.3% | -3.5 pts |
| ROA | 0.08% | 0.62% | -0.5 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $974.0M | $880.1M | $756.7M | $88.3M | $206K | 0.08% | 3.46% | 0.59% | 53,583 |
| Q4 2025 | $962.0M | $866.8M | $756.0M | $88.1M | $1.6M | 0.17% | 3.47% | 0.76% | 53,057 |
| Q3 2025 | $962.5M | $868.5M | $760.9M | $89.2M | $1.2M | 0.17% | 3.41% | 0.81% | 59,059 |
| Q2 2025 | $951.8M | $860.9M | $747.5M | $89.0M | $1.0M | 0.22% | 3.34% | 0.77% | 59,104 |
| Q1 2025 | $945.8M | $855.2M | $750.2M | $88.1M | $123K | 0.05% | 3.25% | 0.77% | 59,147 |
| Q4 2024 | $932.7M | $843.1M | $708.5M | $90.0M | $417K | 0.04% | 3.22% | 0.84% | 58,385 |
| Q3 2024 | $932.3M | $839.8M | $694.5M | $91.8M | $680K | 0.10% | 3.15% | 0.74% | 57,848 |
| Q2 2024 | $845.0M | $754.5M | $657.8M | $90.4M | $843K | 0.20% | 3.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.62% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 56,977 |
Loan mix (Q1 2026): real estate $345.4M · commercial $64.2M · consumer $300.0M · securities $80.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 78.3% | 55th |
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.