| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.8% | -8.9 pts |
| Share growth (YoY) | -4.4% | +4.3% | -8.7 pts |
| Loan growth (YoY) | -8.1% | +4.3% | -12.5 pts |
| ROA | 1.16% | 0.62% | +0.5 pts |
| ROE | 13.2% | 5.9% | +7.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $751.9M | $577.6M | $554.5M | $65.6M | $2.2M | 1.16% | 2.84% | 2.85% | 34,100 |
| Q4 2025 | $737.1M | $559.8M | $556.9M | $65.8M | $-3.1M | -0.42% | 2.95% | 3.92% | 31,529 |
| Q3 2025 | $743.1M | $559.8M | $579.1M | $68.0M | $2.1M | 0.37% | 2.88% | 3.74% | 34,797 |
| Q2 2025 | $752.4M | $576.8M | $590.2M | $63.1M | $1.7M | 0.45% | 2.80% | 3.26% | 34,939 |
| Q1 2025 | $784.0M | $604.1M | $603.6M | $63.0M | $1.3M | 0.64% | 2.66% | 2.05% | 36,328 |
| Q4 2024 | $784.1M | $601.5M | $626.2M | $64.1M | $-2.1M | -0.27% | 2.66% | 3.02% | 35,380 |
| Q3 2024 | $763.8M | $576.3M | $612.5M | $66.8M | $657K | 0.11% | 2.72% | 2.64% | 34,736 |
| Q2 2024 | $755.6M | $577.4M | $587.5M | $67.2M | $986K | 0.26% | 2.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.62% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.85% |
| 36,769 |
Loan mix (Q1 2026): real estate $302.1M · commercial $63.1M · consumer $158.9M · securities $30.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 78.3% | 12th |
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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