| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +5.1% | -6.6 pts |
| Share growth (YoY) | -2.9% | +4.9% | -7.7 pts |
| Loan growth (YoY) | -4.5% | +5.4% | -9.9 pts |
| ROA | 0.09% | 0.71% | -0.6 pts |
| ROE | 0.8% | 6.3% | -5.4 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.12B | $1.71B | $1.41B | $213.8M | $451K | 0.09% | 3.02% | 0.74% | 84,754 |
| Q4 2025 | $2.05B | $1.65B | $1.42B | $213.4M | $9.5M | 0.46% | 2.96% | 1.01% | 85,056 |
| Q3 2025 | $2.06B | $1.66B | $1.44B | $210.6M | $6.7M | 0.44% | 2.90% | 0.84% | 85,219 |
| Q2 2025 | $2.12B | $1.73B | $1.45B | $208.3M | $4.4M | 0.41% | 2.70% | 0.82% | 85,769 |
| Q1 2025 | $2.15B | $1.76B | $1.47B | $204.4M | $555K | 0.10% | 2.56% | 0.64% | 86,878 |
| Q4 2024 | $2.11B | $1.72B | $1.49B | $203.9M | $6.4M | 0.31% | 2.66% | 0.73% | 87,095 |
| Q3 2024 | $2.13B | $1.75B | $1.52B | $203.1M | $5.7M | 0.35% | 2.61% | 0.89% | 87,389 |
| Q2 2024 | $2.14B | $1.73B | $1.54B | $202.0M | $4.6M | 0.43% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.71% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 6.3% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 87,914 |
Loan mix (Q1 2026): real estate $964.4M · commercial $216.9M · consumer $224.4M · securities $447.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 73.0% | 94th |
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.