| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.1% | -5.4 pts |
| Share growth (YoY) | -1.5% | +4.9% | -6.4 pts |
| Loan growth (YoY) | -0.3% | +5.4% | -5.7 pts |
| ROA | 0.56% | 0.71% | -0.2 pts |
| ROE | 4.6% | 6.3% | -1.7 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.19B | $1.07B | $764.5M | $147.1M | $1.7M | 0.56% | 3.22% | 0.42% | 75,387 |
| Q4 2025 | $1.19B | $1.06B | $758.3M | $145.4M | $3.5M | 0.29% | 3.06% | 0.71% | 74,924 |
| Q3 2025 | $1.18B | $1.06B | $764.9M | $146.8M | $4.1M | 0.46% | 3.03% | 0.96% | 75,413 |
| Q2 2025 | $1.19B | $1.06B | $765.8M | $144.5M | $1.7M | 0.29% | 2.97% | 0.93% | 75,085 |
| Q1 2025 | $1.20B | $1.08B | $766.5M | $143.6M | $835K | 0.28% | 2.83% | 0.90% | 72,412 |
| Q4 2024 | $1.17B | $1.06B | $762.4M | $142.8M | $1.5M | 0.12% | 2.63% | 0.91% | 72,333 |
| Q3 2024 | $1.17B | $1.06B | $746.6M | $143.4M | $1.2M | 0.14% | 2.59% | 0.84% | 72,884 |
| Q2 2024 | $1.16B | $1.06B | $731.2M | $143.1M | $1.0M | 0.17% | 2.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.71% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.3% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 72,244 |
Loan mix (Q1 2026): real estate $355.8M · commercial $88.2M · consumer $305.3M · securities $298.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 73.0% | 49th |
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.