| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.5 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 5.1% | 5.9% | -0.9 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $259.4M | $235.8M | $207.2M | $21.4M | $272K | 0.42% | 3.80% | 1.38% | 19,329 |
| Q4 2025 | $254.6M | $231.3M | $207.2M | $21.1M | $1.2M | 0.47% | 3.89% | 1.44% | 19,494 |
| Q3 2025 | $252.6M | $228.5M | $210.1M | $20.9M | $859K | 0.45% | 3.88% | 1.09% | 19,630 |
| Q2 2025 | $249.5M | $226.5M | $205.2M | $20.5M | $528K | 0.42% | 3.87% | 1.91% | 19,827 |
| Q1 2025 | $255.7M | $233.9M | $206.0M | $20.2M | $216K | 0.34% | 3.74% | 1.55% | 19,918 |
| Q4 2024 | $254.7M | $233.5M | $211.0M | $19.6M | $725K | 0.28% | 3.74% | 2.17% | 20,050 |
| Q3 2024 | $247.0M | $225.4M | $201.1M | $19.6M | $632K | 0.34% | 3.83% | 0.68% | 19,918 |
| Q2 2024 | $245.5M | $224.5M | $197.1M | $19.3M | $386K | 0.31% | 3.81% |
| Ratio | Connections Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 19,810 |
Loan mix (Q1 2026): real estate $126.1M · commercial $3.6M · consumer $75.0M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.7% | 52th |
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 | Connections Credit Union | 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 | Connections Credit Union | 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 | Connections Credit Union | 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 | Connections Credit Union | 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.