| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +3.9% | -5.4 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -17.9% | +2.9% | -20.8 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $340.1M | $283.5M | $159.8M | $38.7M | $427K | 0.50% | 3.42% | 0.30% | 30,078 |
| Q4 2025 | $350.0M | $279.6M | $168.7M | $38.3M | $3.6M | 1.04% | 3.43% | 0.80% | 30,008 |
| Q3 2025 | $352.8M | $279.1M | $176.2M | $37.7M | $3.1M | 1.16% | 3.37% | 0.51% | 29,489 |
| Q2 2025 | $351.4M | $279.7M | $182.4M | $35.8M | $1.1M | 0.62% | 3.38% | 0.70% | 29,389 |
| Q1 2025 | $345.1M | $280.3M | $194.7M | $35.1M | $468K | 0.54% | 3.33% | 0.45% | 29,978 |
| Q4 2024 | $311.5M | $270.9M | $203.1M | $34.7M | $1.3M | 0.43% | 3.65% | 0.66% | 29,735 |
| Q3 2024 | $314.0M | $271.0M | $205.3M | $34.2M | $876K | 0.37% | 3.58% | 0.46% | 29,062 |
| Q2 2024 | $315.9M | $272.2M | $208.5M | $33.7M | $362K | 0.23% | 3.53% |
| Ratio | First Basin Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 29,862 |
Loan mix (Q1 2026): real estate $51.8M · commercial $28.2M · consumer $76.9M · securities $117.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.7% | 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 | First Basin 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 | First Basin 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 | First Basin 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 | First Basin 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.