| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +5.1% | -1.5 pts |
| Share growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Loan growth (YoY) | +1.6% | +5.4% | -3.8 pts |
| ROA | 0.03% | 0.71% | -0.7 pts |
| ROE | 0.4% | 6.3% | -5.9 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.72B | $2.26B | $2.15B | $222.1M | $231K | 0.03% | 3.09% | 1.47% | 184,024 |
| Q4 2025 | $2.68B | $2.25B | $2.04B | $221.9M | $9.7M | 0.36% | 3.07% | 1.75% | 180,444 |
| Q3 2025 | $2.67B | $2.16B | $2.02B | $226.5M | $9.1M | 0.45% | 3.13% | 1.65% | 177,246 |
| Q2 2025 | $2.63B | $2.18B | $2.07B | $220.8M | $3.4M | 0.26% | 3.17% | 1.52% | 173,946 |
| Q1 2025 | $2.62B | $2.16B | $2.12B | $216.7M | $-746K | -0.11% | 3.14% | 1.30% | 173,210 |
| Q4 2024 | $2.54B | $2.08B | $2.06B | $217.5M | $9.3M | 0.37% | 3.14% | 1.51% | 169,000 |
| Q3 2024 | $2.66B | $2.05B | $2.07B | $218.7M | $5.1M | 0.26% | 3.02% | 1.40% | 165,391 |
| Q2 2024 | $2.64B | $2.05B | $2.22B | $216.1M | $2.6M | 0.20% | 3.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.71% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 6.3% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 161,991 |
Loan mix (Q1 2026): real estate $795.3M · commercial $175.2M · consumer $973.5M · securities $234.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 73.0% | 93th |
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.