| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +5.1% | -10.5 pts |
| Share growth (YoY) | -7.1% | +4.9% | -11.9 pts |
| Loan growth (YoY) | -12.2% | +5.4% | -17.6 pts |
| ROA | 0.36% | 0.71% | -0.4 pts |
| ROE | 3.8% | 6.3% | -2.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.37B | $1.16B | $1.17B | $130.3M | $1.2M | 0.36% | 4.59% | 1.31% | 63,748 |
| Q4 2025 | $1.33B | $1.13B | $1.20B | $129.1M | $2.5M | 0.19% | 4.98% | 1.53% | 65,853 |
| Q3 2025 | $1.33B | $1.15B | $1.23B | $131.2M | $901K | 0.09% | 4.97% | 1.65% | 66,070 |
| Q2 2025 | $1.39B | $1.21B | $1.25B | $129.1M | $-1.2M | -0.17% | 4.74% | 1.63% | 65,839 |
| Q1 2025 | $1.44B | $1.25B | $1.33B | $129.1M | $-1.2M | -0.34% | 4.54% | 1.07% | 62,992 |
| Q4 2024 | $1.44B | $1.22B | $1.36B | $130.3M | $-9.6M | -0.66% | 4.75% | 1.15% | 65,103 |
| Q3 2024 | $1.46B | $1.23B | $1.38B | $139.8M | $-3.9M | -0.36% | 4.71% | 1.25% | 64,814 |
| Q2 2024 | $1.50B | $1.26B | $1.40B | $142.3M | $-1.4M | -0.19% | 4.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.71% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 6.3% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.25% |
| 64,418 |
Loan mix (Q1 2026): real estate $414.0M · commercial $587.7M · consumer $143.3M · securities $7.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 73.0% | 69th |
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.