| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +5.1% | -5.7 pts |
| Share growth (YoY) | -1.0% | +4.9% | -5.9 pts |
| Loan growth (YoY) | +11.4% | +5.4% | +5.9 pts |
| ROA | 0.74% | 0.71% | +0.0 pts |
| ROE | 8.2% | 6.3% | +1.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.33B | $1.15B | $1.10B | $119.3M | $2.4M | 0.74% | 4.80% | 0.69% | 117,031 |
| Q4 2025 | $1.32B | $1.14B | $1.06B | $116.8M | $7.8M | 0.59% | 3.87% | 0.84% | 116,118 |
| Q3 2025 | $1.31B | $1.13B | $1.04B | $116.2M | $7.2M | 0.73% | 3.76% | 0.85% | 115,753 |
| Q2 2025 | $1.32B | $1.14B | $995.8M | $114.6M | $5.6M | 0.85% | 3.62% | 0.87% | 116,627 |
| Q1 2025 | $1.34B | $1.16B | $987.8M | $114.2M | $4.3M | 1.29% | 3.55% | 0.80% | 115,936 |
| Q4 2024 | $1.33B | $1.16B | $1.01B | $109.6M | $-745K | -0.06% | 2.75% | 0.95% | 117,061 |
| Q3 2024 | $1.34B | $1.16B | $1.04B | $108.2M | $-2.2M | -0.22% | 2.63% | 0.95% | 121,215 |
| Q2 2024 | $1.27B | $1.09B | $1.03B | $117.3M | $-1.8M | -0.29% | 2.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.71% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 6.3% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 114,479 |
Loan mix (Q1 2026): real estate $324.6M · commercial $226.3M · consumer $546.0M · securities $117.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 73.0% | 44th |
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.