| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.8% | -4.5 pts |
| Share growth (YoY) | -0.3% | +4.3% | -4.6 pts |
| Loan growth (YoY) | -0.8% | +4.3% | -5.2 pts |
| ROA | -0.27% | 0.62% | -0.9 pts |
| ROE | -2.3% | 5.9% | -8.2 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 | $554.2M | $490.1M | $351.3M | $64.7M | $-369K | -0.27% | 3.05% | 0.71% | 27,555 |
| Q4 2025 | $548.6M | $483.9M | $351.1M | $65.0M | $2.6M | 0.48% | 2.90% | 0.60% | 27,818 |
| Q3 2025 | $544.6M | $480.4M | $345.9M | $64.9M | $2.5M | 0.61% | 2.88% | 0.30% | 27,965 |
| Q2 2025 | $543.7M | $480.4M | $351.2M | $64.0M | $1.6M | 0.60% | 2.82% | 0.26% | 28,043 |
| Q1 2025 | $552.5M | $491.6M | $354.4M | $64.0M | $1.1M | 0.80% | 2.72% | 0.25% | 28,296 |
| Q4 2024 | $537.7M | $477.5M | $354.8M | $62.9M | $758K | 0.14% | 2.59% | 0.14% | 28,232 |
| Q3 2024 | $544.2M | $483.8M | $351.6M | $62.9M | $778K | 0.19% | 2.51% | 0.24% | 28,463 |
| Q2 2024 | $541.8M | $484.1M | $348.8M | $62.7M | $534K | 0.20% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.62% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.3% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 28,226 |
Loan mix (Q1 2026): real estate $184.0M · commercial $24.5M · consumer $135.9M · securities $129.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 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.