| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.8% | -6.0 pts |
| Share growth (YoY) | -2.4% | +4.3% | -6.7 pts |
| Loan growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| ROA | 0.23% | 0.62% | -0.4 pts |
| ROE | 2.3% | 5.9% | -3.6 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $813.8M | $751.4M | $520.6M | $81.4M | $471K | 0.23% | 3.58% | 0.56% | 81,063 |
| Q4 2025 | $795.7M | $733.2M | $512.4M | $81.0M | $2.8M | 0.35% | 3.45% | 0.71% | 80,843 |
| Q3 2025 | $805.9M | $745.7M | $499.9M | $79.6M | $1.4M | 0.24% | 3.37% | 0.58% | 80,294 |
| Q2 2025 | $813.5M | $759.3M | $489.3M | $79.2M | $1.0M | 0.25% | 3.28% | 0.58% | 79,433 |
| Q1 2025 | $823.9M | $770.0M | $482.9M | $78.7M | $554K | 0.27% | 3.16% | 0.63% | 79,301 |
| Q4 2024 | $805.3M | $757.2M | $488.1M | $78.3M | $2.4M | 0.29% | 3.11% | 0.70% | 78,620 |
| Q3 2024 | $814.8M | $760.0M | $494.6M | $77.3M | $1.4M | 0.24% | 3.05% | 0.62% | 78,106 |
| Q2 2024 | $796.8M | $750.4M | $493.5M | $76.8M | $925K | 0.23% | 3.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.62% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 77,266 |
Loan mix (Q1 2026): real estate $160.0M · commercial $79.2M · consumer $277.9M · securities $169.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.3% | 82th |
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% |
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