| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +5.1% | -9.6 pts |
| Share growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Loan growth (YoY) | -3.4% | +5.4% | -8.8 pts |
| ROA | 0.09% | 0.71% | -0.6 pts |
| ROE | 1.2% | 6.3% | -5.1 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.54B | $1.39B | $1.13B | $120.5M | $350K | 0.09% | 2.29% | 2.51% | 81,134 |
| Q4 2025 | $1.52B | $1.36B | $1.13B | $120.3M | $58K | 0.00% | 2.36% | 2.67% | 81,905 |
| Q3 2025 | $1.55B | $1.34B | $1.14B | $121.4M | $1.1M | 0.10% | 2.25% | 2.55% | 82,127 |
| Q2 2025 | $1.58B | $1.35B | $1.17B | $123.0M | $2.6M | 0.33% | 2.16% | 2.27% | 81,568 |
| Q1 2025 | $1.62B | $1.39B | $1.17B | $121.9M | $1.4M | 0.36% | 2.11% | 1.11% | 81,760 |
| Q4 2024 | $1.62B | $1.40B | $1.22B | $119.7M | $-1.6M | -0.10% | 1.90% | 1.77% | 81,960 |
| Q3 2024 | $1.66B | $1.36B | $1.23B | $127.1M | $5.8M | 0.46% | 1.83% | 1.05% | 82,221 |
| Q2 2024 | $1.67B | $1.33B | $1.23B | $126.1M | $3.5M | 0.41% | 1.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.71% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 6.3% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.77% |
| 82,732 |
Loan mix (Q1 2026): real estate $572.4M · commercial $363.0M · consumer $183.5M · securities $138.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 73.0% | 96th |
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.