| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.8% | -0.6 pts |
| Share growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | -0.7% | +4.3% | -5.0 pts |
| ROA | 0.13% | 0.62% | -0.5 pts |
| ROE | 1.4% | 5.9% | -4.5 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 | $634.2M | $568.1M | $483.6M | $57.7M | $203K | 0.13% | 3.20% | 2.78% | 30,297 |
| Q4 2025 | $617.6M | $552.0M | $473.7M | $57.5M | $2.2M | 0.35% | 3.35% | 2.81% | 29,903 |
| Q3 2025 | $608.7M | $542.5M | $490.8M | $58.1M | $2.7M | 0.60% | 3.37% | 2.75% | 29,767 |
| Q2 2025 | $620.3M | $537.5M | $501.2M | $57.3M | $1.9M | 0.63% | 3.27% | 2.21% | 29,507 |
| Q1 2025 | $608.8M | $544.8M | $487.0M | $55.7M | $381K | 0.25% | 3.28% | 1.61% | 29,239 |
| Q4 2024 | $616.2M | $526.2M | $489.8M | $55.3M | $2.5M | 0.41% | 3.39% | 1.65% | 29,153 |
| Q3 2024 | $624.6M | $526.9M | $475.5M | $55.2M | $2.4M | 0.51% | 3.31% | 2.46% | 29,439 |
| Q2 2024 | $618.0M | $530.2M | $483.6M | $54.5M | $1.7M | 0.56% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.62% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.31% |
| 29,335 |
Loan mix (Q1 2026): real estate $313.8M · commercial $105.2M · consumer $63.4M · securities $82.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 78.3% | 77th |
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.