| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.8% | -3.5 pts |
| Share growth (YoY) | +1.4% | +4.3% | -2.9 pts |
| Loan growth (YoY) | +4.9% | +4.3% | +0.5 pts |
| ROA | 0.33% | 0.62% | -0.3 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $733.7M | $649.4M | $604.1M | $63.2M | $601K | 0.33% | 3.94% | 0.67% | 46,768 |
| Q4 2025 | $722.4M | $636.9M | $596.1M | $62.6M | $2.2M | 0.31% | 3.89% | 0.69% | 47,159 |
| Q3 2025 | $722.7M | $638.2M | $585.7M | $63.2M | $1.3M | 0.24% | 3.86% | 0.58% | 63,554 |
| Q2 2025 | $722.2M | $639.9M | $580.7M | $62.4M | $451K | 0.12% | 3.78% | 0.80% | 47,871 |
| Q1 2025 | $725.0M | $640.7M | $576.1M | $61.9M | $53K | 0.03% | 3.68% | 0.59% | 48,446 |
| Q4 2024 | $688.9M | $628.0M | $576.4M | $61.9M | $-1.6M | -0.23% | 3.69% | 1.46% | 50,582 |
| Q3 2024 | $691.5M | $627.0M | $580.2M | $64.0M | $-972K | -0.19% | 3.64% | 0.99% | 56,648 |
| Q2 2024 | $743.7M | $628.9M | $587.9M | $65.0M | $-22K | -0.01% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.62% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 97,444 |
Loan mix (Q1 2026): real estate $220.8M · commercial $94.5M · consumer $269.4M · securities $38.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 78.3% | 72th |
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.