| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.8% | -7.0 pts |
| Share growth (YoY) | -3.4% | +4.3% | -7.7 pts |
| Loan growth (YoY) | -8.0% | +4.3% | -12.3 pts |
| ROA | 0.46% | 0.62% | -0.2 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $546.2M | $468.8M | $377.0M | $48.9M | $630K | 0.46% | 3.08% | 1.53% | 31,228 |
| Q4 2025 | $559.0M | $481.6M | $386.2M | $48.3M | $2.8M | 0.50% | 2.99% | 2.59% | 31,227 |
| Q3 2025 | $562.1M | $486.1M | $389.1M | $48.6M | $2.0M | 0.47% | 2.98% | 1.84% | 32,060 |
| Q2 2025 | $552.1M | $477.8M | $400.2M | $47.9M | $1.2M | 0.45% | 3.04% | 1.45% | 32,133 |
| Q1 2025 | $558.7M | $485.5M | $409.6M | $47.0M | $379K | 0.27% | 3.00% | 0.86% | 32,301 |
| Q4 2024 | $552.7M | $481.1M | $420.6M | $47.8M | $-3.9M | -0.70% | 3.13% | 1.39% | 32,311 |
| Q3 2024 | $548.4M | $474.9M | $431.2M | $48.0M | $-3.7M | -0.89% | 3.14% | 1.20% | 33,100 |
| Q2 2024 | $567.7M | $489.5M | $443.8M | $47.9M | $-3.7M | -1.32% | 3.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.62% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 33,230 |
Loan mix (Q1 2026): real estate $289.7M · commercial $9.6M · consumer $72.3M · securities $56.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 78.3% | 83th |
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.