| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.8% | -3.9 pts |
| Share growth (YoY) | -0.4% | +4.3% | -4.7 pts |
| Loan growth (YoY) | -15.5% | +4.3% | -19.8 pts |
| ROA | 0.76% | 0.62% | +0.1 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $697.0M | $550.8M | $397.9M | $140.6M | $1.3M | 0.76% | 3.41% | 0.42% | 42,903 |
| Q4 2025 | $684.3M | $544.2M | $415.2M | $135.6M | $7.5M | 1.09% | 3.75% | 0.87% | 43,342 |
| Q3 2025 | $687.4M | $544.4M | $433.8M | $138.0M | $6.6M | 1.28% | 3.72% | 0.71% | 53,393 |
| Q2 2025 | $686.3M | $547.1M | $446.1M | $135.5M | $3.8M | 1.11% | 3.71% | 0.73% | 44,172 |
| Q1 2025 | $690.9M | $553.3M | $471.0M | $133.4M | $2.0M | 1.14% | 3.53% | 0.57% | 44,605 |
| Q4 2024 | $676.4M | $537.5M | $494.7M | $131.4M | $5.3M | 0.78% | 3.83% | 0.73% | 44,968 |
| Q3 2024 | $682.1M | $541.7M | $519.2M | $131.2M | $7.0M | 1.38% | 3.83% | 0.78% | 45,634 |
| Q2 2024 | $693.8M | $556.4M | $544.9M | $128.4M | $4.4M | 1.28% | 3.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.62% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 48,637 |
Loan mix (Q1 2026): real estate $290.1M · commercial $37.6M · consumer $69.4M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 78.3% | 64th |
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.