| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.1% | -6.8 pts |
| Share growth (YoY) | -1.8% | +4.9% | -6.6 pts |
| Loan growth (YoY) | +1.4% | +5.4% | -4.1 pts |
| ROA | 0.14% | 0.71% | -0.6 pts |
| ROE | 1.9% | 6.3% | -4.4 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 | $4.38B | $3.63B | $3.97B | $318.5M | $1.5M | 0.14% | 3.86% | 1.06% | 263,451 |
| Q4 2025 | $4.52B | $3.76B | $4.08B | $317.0M | $-9.7M | -0.21% | 3.53% | 1.13% | 262,966 |
| Q3 2025 | $4.43B | $3.67B | $4.01B | $327.7M | $-7.5M | -0.23% | 3.52% | 1.15% | 259,848 |
| Q2 2025 | $4.38B | $3.64B | $3.93B | $328.1M | $-7.0M | -0.32% | 3.50% | 1.36% | 255,925 |
| Q1 2025 | $4.46B | $3.69B | $3.91B | $332.0M | $-3.1M | -0.28% | 3.36% | 1.39% | 256,439 |
| Q4 2024 | $4.35B | $3.56B | $3.93B | $335.1M | $-11.9M | -0.27% | 3.21% | 1.59% | 253,435 |
| Q3 2024 | $4.41B | $3.67B | $3.93B | $348.0M | $-7.8M | -0.23% | 3.11% | 1.41% | 250,868 |
| Q2 2024 | $4.40B | $3.65B | $3.97B | $349.7M | $-6.1M | -0.28% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.71% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 6.3% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.39% |
| 248,063 |
Loan mix (Q1 2026): real estate $310.4M · commercial $63.6M · consumer $1.27B · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 73.0% | 84th |
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.