| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.8% | -2.7 pts |
| Share growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +1.4% | +4.3% | -2.9 pts |
| ROA | 0.08% | 0.62% | -0.5 pts |
| ROE | 0.6% | 5.9% | -5.3 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $641.5M | $543.5M | $298.8M | $89.0M | $133K | 0.08% | 3.42% | 1.20% | 96,185 |
| Q4 2025 | $632.4M | $530.8M | $298.0M | $88.9M | $3.0M | 0.47% | 3.34% | 1.37% | 95,264 |
| Q3 2025 | $625.1M | $524.8M | $297.9M | $89.7M | $2.4M | 0.52% | 3.34% | 1.84% | 103,127 |
| Q2 2025 | $625.1M | $523.0M | $295.5M | $89.3M | $2.1M | 0.66% | 3.30% | 1.67% | 102,247 |
| Q1 2025 | $628.4M | $529.4M | $294.6M | $88.5M | $1.3M | 0.83% | 3.23% | 1.64% | 101,503 |
| Q4 2024 | $600.2M | $520.1M | $298.6M | $87.3M | $685K | 0.11% | 3.08% | 1.69% | 100,536 |
| Q3 2024 | $623.0M | $525.6M | $297.5M | $87.7M | $571K | 0.12% | 2.88% | 1.60% | 101,681 |
| Q2 2024 | $658.7M | $532.7M | $297.4M | $87.6M | $514K | 0.16% | 2.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.62% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.63% |
| 101,427 |
Loan mix (Q1 2026): real estate $116.1M · commercial $0 · consumer $139.2M · securities $255.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 78.3% | 43th |
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.