| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.7% | +5.1% | -15.8 pts |
| Share growth (YoY) | -13.4% | +4.9% | -18.3 pts |
| Loan growth (YoY) | -12.9% | +5.4% | -18.4 pts |
| ROA | 0.30% | 0.71% | -0.4 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.40B | $1.03B | $1.07B | $112.9M | $1.1M | 0.30% | 3.22% | 1.00% | 100,316 |
| Q4 2025 | $1.45B | $1.07B | $1.11B | $113.4M | $5.1M | 0.35% | 3.26% | 1.26% | 100,988 |
| Q3 2025 | $1.50B | $1.12B | $1.18B | $115.0M | $5.4M | 0.48% | 3.13% | 1.14% | 101,584 |
| Q2 2025 | $1.51B | $1.14B | $1.19B | $114.5M | $4.9M | 0.65% | 3.03% | 1.17% | 102,226 |
| Q1 2025 | $1.57B | $1.19B | $1.23B | $114.5M | $4.9M | 1.24% | 2.90% | 1.19% | 104,298 |
| Q4 2024 | $1.57B | $1.21B | $1.23B | $111.1M | $4.2M | 0.27% | 2.87% | 1.37% | 103,518 |
| Q3 2024 | $1.60B | $1.22B | $1.28B | $110.3M | $2.0M | 0.17% | 2.81% | 1.19% | 111,221 |
| Q2 2024 | $1.60B | $1.23B | $1.27B | $109.0M | $747K | 0.09% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.71% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.00% |
| 110,738 |
Loan mix (Q1 2026): real estate $347.1M · commercial $306.4M · consumer $364.2M · securities $144.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 73.0% | 86th |
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.