| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.2% | +5.1% | +12.1 pts |
| Share growth (YoY) | +17.4% | +4.9% | +12.6 pts |
| Loan growth (YoY) | +10.2% | +5.4% | +4.7 pts |
| ROA | -0.10% | 0.71% | -0.8 pts |
| ROE | -1.2% | 6.3% | -7.5 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.13B | $1.02B | $728.4M | $89.9M | $-275K | -0.10% | 3.67% | 1.13% | 99,409 |
| Q4 2025 | $1.11B | $994.0M | $700.3M | $90.1M | $5.9M | 0.53% | 3.49% | 1.44% | 98,616 |
| Q3 2025 | $1.08B | $975.2M | $696.8M | $89.6M | $5.3M | 0.65% | 3.45% | 1.34% | 99,563 |
| Q2 2025 | $988.7M | $891.7M | $663.2M | $99.5M | $1.6M | 0.32% | 3.66% | 0.98% | 95,061 |
| Q1 2025 | $964.7M | $872.7M | $661.0M | $82.8M | $852K | 0.35% | 3.61% | 0.55% | 93,551 |
| Q4 2024 | $916.6M | $827.0M | $662.6M | $81.9M | $2.6M | 0.28% | 3.65% | 0.75% | 92,425 |
| Q3 2024 | $921.7M | $827.9M | $670.0M | $81.5M | $2.2M | 0.32% | 3.60% | 0.62% | 93,434 |
| Q2 2024 | $914.9M | $820.2M | $665.0M | $81.1M | $379K | 0.08% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.71% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 6.3% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 92,615 |
Loan mix (Q1 2026): real estate $138.5M · commercial $70.5M · consumer $481.3M · securities $168.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 73.0% | 95th |
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% |
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