| Metric | Connex Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Share growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Loan growth (YoY) | -2.4% | +5.4% | -7.8 pts |
| ROA | 0.19% | 0.71% | -0.5 pts |
| ROE | 2.0% | 6.3% | -4.3 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.04B | $894.7M | $886.4M | $98.1M | $487K | 0.19% | 2.52% | 0.55% | 68,675 |
| Q4 2025 | $1.03B | $876.2M | $891.2M | $97.6M | $3.7M | 0.36% | 2.40% | 0.74% | 72,266 |
| Q3 2025 | $1.05B | $872.9M | $903.9M | $96.3M | $2.4M | 0.31% | 2.29% | 0.75% | 75,152 |
| Q2 2025 | $1.06B | $889.6M | $905.9M | $95.1M | $1.2M | 0.22% | 2.22% | 0.72% | 70,328 |
| Q1 2025 | $1.05B | $897.6M | $907.7M | $93.8M | $-53K | -0.02% | 2.15% | 0.61% | 71,219 |
| Q4 2024 | $1.05B | $888.3M | $917.2M | $93.9M | $1.2M | 0.11% | 1.99% | 0.83% | 69,921 |
| Q3 2024 | $1.03B | $889.6M | $910.5M | $94.5M | $1.9M | 0.24% | 1.97% | 0.85% | 69,921 |
| Q2 2024 | $1.03B | $882.0M | $907.6M | $93.6M | $872K | 0.17% | 1.96% |
| Ratio | Connex Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.71% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 6.3% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 69,682 |
Loan mix (Q1 2026): real estate $424.8M · commercial $0 · consumer $407.8M · securities $80.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 73.0% | 94th |
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 | Connex 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 | Connex 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 | Connex 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 | Connex 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.