| Metric | Dow Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Loan growth (YoY) | -2.1% | +5.4% | -7.5 pts |
| ROA | 0.22% | 0.71% | -0.5 pts |
| ROE | 2.3% | 6.3% | -4.0 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.61B | $2.35B | $1.23B | $256.0M | $1.5M | 0.22% | 1.98% | 0.27% | 83,834 |
| Q4 2025 | $2.55B | $2.27B | $1.25B | $254.5M | $16.4M | 0.64% | 1.99% | 0.41% | 83,732 |
| Q3 2025 | $2.49B | $2.22B | $1.23B | $252.2M | $13.6M | 0.73% | 1.95% | 0.36% | 83,478 |
| Q2 2025 | $2.48B | $2.22B | $1.25B | $246.7M | $8.2M | 0.66% | 1.93% | 0.34% | 83,313 |
| Q1 2025 | $2.47B | $2.23B | $1.25B | $240.0M | $1.4M | 0.23% | 1.91% | 0.25% | 82,924 |
| Q4 2024 | $2.39B | $2.16B | $1.29B | $238.6M | $12.4M | 0.52% | 1.68% | 0.28% | 82,706 |
| Q3 2024 | $2.34B | $2.09B | $1.25B | $238.2M | $11.6M | 0.66% | 1.61% | 0.32% | 82,348 |
| Q2 2024 | $2.33B | $2.11B | $1.24B | $232.5M | $5.9M | 0.51% | 1.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Dow Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.71% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.3% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 82,019 |
Loan mix (Q1 2026): real estate $580.7M · commercial $3.2M · consumer $506.9M · securities $1.22B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 73.0% | 53th |
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 | Dow 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 | Dow 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 | Dow 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 | Dow 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.