| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.1% | -1.6 pts |
| Share growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Loan growth (YoY) | +0.7% | +5.4% | -4.8 pts |
| ROA | 0.21% | 0.71% | -0.5 pts |
| ROE | 2.4% | 6.3% | -3.8 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 | $2.44B | $2.21B | $1.38B | $214.4M | $1.3M | 0.21% | 3.12% | 1.71% | 162,527 |
| Q4 2025 | $2.39B | $2.17B | $1.38B | $213.1M | $10.0M | 0.42% | 2.94% | 1.98% | 161,181 |
| Q3 2025 | $2.37B | $2.14B | $1.39B | $212.1M | $8.1M | 0.46% | 2.90% | 1.55% | 160,712 |
| Q2 2025 | $2.36B | $2.14B | $1.39B | $207.3M | $3.2M | 0.27% | 2.80% | 1.35% | 159,538 |
| Q1 2025 | $2.36B | $2.14B | $1.37B | $203.9M | $-162K | -0.03% | 2.74% | 1.59% | 158,283 |
| Q4 2024 | $2.31B | $2.09B | $1.37B | $204.0M | $744K | 0.03% | 2.61% | 1.66% | 157,157 |
| Q3 2024 | $2.37B | $2.07B | $1.38B | $207.3M | $3.0M | 0.17% | 2.49% | 1.46% | 156,525 |
| Q2 2024 | $2.47B | $2.08B | $1.37B | $206.4M | $2.1M | 0.17% | 2.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.71% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 6.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.56% |
| 155,831 |
Loan mix (Q1 2026): real estate $431.0M · commercial $61.3M · consumer $848.1M · securities $709.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 73.0% | 74th |
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.