| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.8% | -4.7 pts |
| Share growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | -3.8% | +4.3% | -8.1 pts |
| ROA | 0.62% | 0.62% | +0.0 pts |
| ROE | 4.5% | 5.9% | -1.5 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $626.9M | $533.1M | $439.2M | $87.7M | $979K | 0.62% | 4.07% | 0.26% | 37,678 |
| Q4 2025 | $617.0M | $524.9M | $448.6M | $86.7M | $5.7M | 0.93% | 4.24% | 0.59% | 37,525 |
| Q3 2025 | $615.3M | $525.7M | $453.0M | $85.3M | $4.0M | 0.86% | 4.24% | 0.42% | 38,965 |
| Q2 2025 | $616.6M | $528.2M | $450.9M | $83.9M | $2.6M | 0.84% | 4.19% | 0.37% | 38,707 |
| Q1 2025 | $626.7M | $539.8M | $456.6M | $82.6M | $1.3M | 0.81% | 4.06% | 0.28% | 38,561 |
| Q4 2024 | $614.5M | $528.5M | $472.5M | $81.3M | $7.5M | 1.22% | 4.18% | 0.48% | 38,333 |
| Q3 2024 | $608.1M | $524.2M | $484.4M | $80.0M | $6.0M | 1.31% | 4.22% | 0.21% | 39,514 |
| Q2 2024 | $627.2M | $545.8M | $498.9M | $77.9M | $3.8M | 1.22% | 4.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.62% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 39,494 |
Loan mix (Q1 2026): real estate $250.8M · commercial $91.6M · consumer $95.0M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 78.3% | 56th |
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.