| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +5.1% | -6.3 pts |
| Share growth (YoY) | +0.9% | +4.9% | -4.0 pts |
| Loan growth (YoY) | +1.3% | +5.4% | -4.2 pts |
| ROA | 0.33% | 0.71% | -0.4 pts |
| ROE | 3.0% | 6.3% | -3.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.08B | $972.6M | $742.0M | $119.9M | $905K | 0.33% | 3.05% | 0.30% | 49,072 |
| Q4 2025 | $1.06B | $950.2M | $743.4M | $119.0M | $4.9M | 0.46% | 2.94% | 0.69% | 49,017 |
| Q3 2025 | $1.09B | $954.7M | $744.3M | $117.6M | $3.5M | 0.43% | 2.78% | 0.47% | 49,054 |
| Q2 2025 | $1.09B | $954.1M | $740.4M | $116.3M | $2.2M | 0.41% | 2.71% | 0.46% | 48,986 |
| Q1 2025 | $1.10B | $963.9M | $732.7M | $114.5M | $438K | 0.16% | 2.61% | 0.31% | 48,290 |
| Q4 2024 | $1.08B | $948.7M | $741.9M | $114.1M | $2.8M | 0.26% | 2.45% | 0.59% | 48,829 |
| Q3 2024 | $1.08B | $942.4M | $751.0M | $113.3M | $1.8M | 0.23% | 2.43% | 0.72% | 49,037 |
| Q2 2024 | $1.07B | $943.1M | $755.7M | $112.3M | $879K | 0.16% | 2.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.71% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 48,944 |
Loan mix (Q1 2026): real estate $434.0M · commercial $64.9M · consumer $180.5M · securities $186.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 73.0% | 95th |
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.