| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.8% | +0.3 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | -2.1% | +4.3% | -6.5 pts |
| ROA | 0.22% | 0.62% | -0.4 pts |
| ROE | 2.1% | 5.9% | -3.9 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 | $931.7M | $828.5M | $502.8M | $101.0M | $522K | 0.22% | 2.97% | 0.41% | 44,169 |
| Q4 2025 | $911.0M | $809.6M | $501.5M | $100.4M | $4.5M | 0.49% | 3.21% | 0.69% | 44,303 |
| Q3 2025 | $905.9M | $800.7M | $505.2M | $99.6M | $3.6M | 0.53% | 3.17% | 0.64% | 44,476 |
| Q2 2025 | $902.2M | $801.6M | $508.0M | $98.2M | $2.3M | 0.50% | 3.15% | 0.64% | 44,674 |
| Q1 2025 | $886.9M | $790.6M | $513.9M | $96.7M | $746K | 0.34% | 3.02% | 0.42% | 44,984 |
| Q4 2024 | $867.5M | $766.5M | $523.7M | $96.0M | $7.1M | 0.82% | 3.21% | 0.44% | 45,180 |
| Q3 2024 | $861.2M | $762.7M | $529.3M | $94.2M | $5.4M | 0.83% | 3.19% | 0.51% | 45,344 |
| Q2 2024 | $845.5M | $750.7M | $533.1M | $92.1M | $3.2M | 0.77% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.62% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 45,477 |
Loan mix (Q1 2026): real estate $343.5M · commercial $64.3M · consumer $94.7M · securities $68.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 78.3% | 96th |
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% |
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