| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.1% | -1.1 pts |
| Share growth (YoY) | +5.9% | +4.9% | +1.1 pts |
| Loan growth (YoY) | -1.8% | +5.4% | -7.3 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 3.9% | 6.3% | -2.4 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 | $2.37B | $2.13B | $1.65B | $248.1M | $2.4M | 0.41% | 3.16% | 0.69% | 108,871 |
| Q4 2025 | $2.32B | $2.08B | $1.67B | $245.7M | $10.8M | 0.46% | 3.19% | 0.91% | 108,769 |
| Q3 2025 | $2.29B | $2.05B | $1.66B | $243.8M | $8.8M | 0.51% | 3.19% | 0.65% | 108,390 |
| Q2 2025 | $2.24B | $2.01B | $1.67B | $240.1M | $5.1M | 0.46% | 3.20% | 0.78% | 107,356 |
| Q1 2025 | $2.28B | $2.01B | $1.68B | $236.3M | $1.4M | 0.24% | 3.09% | 1.12% | 106,554 |
| Q4 2024 | $2.30B | $1.93B | $1.72B | $234.9M | $10.6M | 0.46% | 2.88% | 1.13% | 105,901 |
| Q3 2024 | $2.33B | $1.93B | $1.76B | $233.2M | $8.9M | 0.51% | 2.77% | 1.06% | 105,311 |
| Q2 2024 | $2.34B | $1.90B | $1.78B | $231.0M | $6.7M | 0.57% | 2.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 6.3% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 103,788 |
Loan mix (Q1 2026): real estate $699.7M · commercial $365.6M · consumer $498.6M · securities $363.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 73.0% | 85th |
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.