| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.8% | -4.5 pts |
| Share growth (YoY) | +0.4% | +4.3% | -3.9 pts |
| Loan growth (YoY) | -1.6% | +4.3% | -5.9 pts |
| ROA | 0.41% | 0.62% | -0.2 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $514.4M | $430.4M | $290.7M | $75.5M | $528K | 0.41% | 3.18% | 0.78% | 31,566 |
| Q4 2025 | $507.2M | $424.9M | $296.5M | $74.9M | $2.1M | 0.41% | 3.25% | 0.95% | 31,631 |
| Q3 2025 | $506.6M | $417.7M | $309.4M | $75.3M | $1.6M | 0.42% | 3.24% | 1.02% | 32,455 |
| Q2 2025 | $505.5M | $421.5M | $305.2M | $74.7M | $1.0M | 0.41% | 3.21% | 1.00% | 32,469 |
| Q1 2025 | $513.3M | $428.8M | $295.3M | $74.0M | $375K | 0.29% | 3.10% | 0.97% | 32,491 |
| Q4 2024 | $521.0M | $420.3M | $286.2M | $73.7M | $-4.0M | -0.78% | 3.31% | 1.50% | 32,308 |
| Q3 2024 | $529.3M | $418.6M | $290.1M | $76.6M | $-2.0M | -0.49% | 3.30% | 1.40% | 32,133 |
| Q2 2024 | $541.8M | $426.7M | $296.0M | $76.8M | $-1.8M | -0.65% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.62% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 32,221 |
Loan mix (Q1 2026): real estate $175.9M · commercial $20.4M · consumer $88.0M · securities $191.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.3% | 66th |
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.