| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Share growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Loan growth (YoY) | +2.4% | +5.4% | -3.0 pts |
| ROA | 0.33% | 0.71% | -0.4 pts |
| ROE | 3.2% | 6.3% | -3.1 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.10B | $974.9M | $911.2M | $115.2M | $913K | 0.33% | 4.02% | 3.27% | 72,400 |
| Q4 2025 | $1.07B | $941.0M | $910.6M | $114.3M | $5.2M | 0.48% | 4.14% | 3.52% | 72,306 |
| Q3 2025 | $1.04B | $921.9M | $903.1M | $112.6M | $3.4M | 0.43% | 4.17% | 2.93% | 72,447 |
| Q2 2025 | $1.05B | $935.1M | $903.6M | $110.0M | $848K | 0.16% | 4.05% | 2.77% | 72,329 |
| Q1 2025 | $1.06B | $945.7M | $889.9M | $110.5M | $1.3M | 0.50% | 3.96% | 1.60% | 72,173 |
| Q4 2024 | $1.04B | $922.9M | $880.1M | $109.2M | $8.7M | 0.84% | 4.00% | 1.49% | 72,150 |
| Q3 2024 | $1.01B | $897.9M | $849.7M | $105.7M | $6.7M | 0.88% | 4.05% | 1.46% | 69,212 |
| Q2 2024 | $982.0M | $869.3M | $821.9M | $103.0M | $4.0M | 0.82% | 4.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.71% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 6.3% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.17% |
| 68,807 |
Loan mix (Q1 2026): real estate $399.5M · commercial $281.8M · consumer $191.5M · securities $28.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 73.0% | 66th |
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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