| Metric | Connexus Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +5.1% | -6.4 pts |
| Share growth (YoY) | -5.4% | +4.9% | -10.3 pts |
| Loan growth (YoY) | -10.8% | +5.4% | -16.2 pts |
| ROA | 0.05% | 0.71% | -0.7 pts |
| ROE | 0.8% | 6.3% | -5.5 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.15B | $3.63B | $3.29B | $297.1M | $568K | 0.05% | 3.57% | 1.89% | 425,699 |
| Q4 2025 | $3.93B | $3.40B | $3.38B | $296.5M | $-10.4M | -0.27% | 4.06% | 2.15% | 434,687 |
| Q3 2025 | $4.15B | $3.59B | $3.47B | $318.6M | $-11.4M | -0.37% | 3.86% | 2.10% | 452,190 |
| Q2 2025 | $3.90B | $3.35B | $3.58B | $308.1M | $-13.5M | -0.69% | 4.10% | 1.81% | 456,712 |
| Q1 2025 | $4.20B | $3.83B | $3.69B | $307.7M | $-13.8M | -1.32% | 3.77% | 1.83% | 465,182 |
| Q4 2024 | $4.33B | $3.96B | $3.82B | $323.0M | $-113.8M | -2.63% | 3.70% | 2.52% | 473,925 |
| Q3 2024 | $4.58B | $4.03B | $4.12B | $427.5M | $-33.1M | -0.96% | 3.53% | 3.05% | 475,604 |
| Q2 2024 | $4.81B | $4.07B | $4.38B | $434.9M | $-25.7M | -1.07% |
| Ratio | Connexus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.71% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 6.3% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 3.40% |
| 3.01% |
| 477,949 |
Loan mix (Q1 2026): real estate $466.5M · commercial $169K · consumer $1.06B · securities $282.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 73.0% | 62th |
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 | Connexus 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 | Connexus 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 | Connexus 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 | Connexus 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.