| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +3.9% | -6.3 pts |
| Share growth (YoY) | -3.1% | +3.3% | -6.4 pts |
| Loan growth (YoY) | -3.6% | +2.9% | -6.5 pts |
| ROA | -0.13% | 0.69% | -0.8 pts |
| ROE | -1.4% | 5.9% | -7.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $225.6M | $202.6M | $116.3M | $22.1M | $-76K | -0.13% | 2.94% | 0.24% | 14,229 |
| Q4 2025 | $220.3M | $197.5M | $118.5M | $22.2M | $-237K | -0.11% | 2.98% | 0.28% | 14,108 |
| Q3 2025 | $221.2M | $198.5M | $121.8M | $22.2M | $-204K | -0.12% | 2.90% | 0.42% | 14,632 |
| Q2 2025 | $224.6M | $202.4M | $123.1M | $22.3M | $-282K | -0.25% | 2.76% | 0.24% | 14,821 |
| Q1 2025 | $231.2M | $209.0M | $120.7M | $22.5M | $-97K | -0.17% | 2.57% | 0.32% | 15,006 |
| Q4 2024 | $227.6M | $205.6M | $124.4M | $22.6M | $-209K | -0.09% | 2.61% | 0.42% | 17,003 |
| Q3 2024 | $223.0M | $198.7M | $128.4M | $22.7M | $-209K | -0.13% | 2.64% | 0.37% | 17,032 |
| Q2 2024 | $222.3M | $201.1M | $130.9M | $22.7M | $-247K | -0.22% |
| Ratio | Expedition Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.13% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.4% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.54% |
| 0.29% |
| 17,029 |
Loan mix (Q1 2026): real estate $25.6M · commercial $0 · consumer $36.4M · securities $85.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 78.7% | 95th |
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 | Expedition 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 | Expedition 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 | Expedition 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 | Expedition 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.