| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +4.8% | -13.8 pts |
| Share growth (YoY) | -9.2% | +4.3% | -13.5 pts |
| Loan growth (YoY) | -5.5% | +4.3% | -9.8 pts |
| ROA | 0.51% | 0.62% | -0.1 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $762.4M | $691.7M | $661.6M | $43.2M | $964K | 0.51% | 2.97% | 1.39% | 29,033 |
| Q4 2025 | $764.6M | $697.6M | $681.2M | $52.8M | $-1.6M | -0.21% | 2.77% | 1.52% | 29,127 |
| Q3 2025 | $768.6M | $711.0M | $685.1M | $53.4M | $-1.0M | -0.18% | 2.76% | 1.28% | 29,774 |
| Q2 2025 | $806.9M | $728.8M | $683.5M | $53.4M | $-1.0M | -0.26% | 2.65% | 1.48% | 29,429 |
| Q1 2025 | $838.1M | $761.6M | $699.7M | $54.4M | $-929K | -0.44% | 2.54% | 1.26% | 29,834 |
| Q4 2024 | $854.4M | $773.9M | $725.0M | $66.2M | $1.1M | 0.12% | 2.86% | 1.30% | 30,815 |
| Q3 2024 | $859.4M | $773.5M | $745.9M | $67.0M | $1.8M | 0.29% | 2.95% | 1.23% | 31,156 |
| Q2 2024 | $870.7M | $781.3M | $795.2M | $63.0M | $-416K | -0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.62% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.97% |
| 1.07% |
| 30,557 |
Loan mix (Q1 2026): real estate $456.5M · commercial $0 · consumer $160.4M · securities $42.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.3% | 37th |
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.